Armstrong Co. Federal Emp.

KITTANNING, PA · 1 · Charter #19745
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$17.3M
58th percentile
Members
2,094
68th percentile
Total loans
$3.6M
35th percentile
Total shares
$14.6M
58th percentile

Profitability

Return on assets
1.06%
62th percentile
Net interest margin
3.02%
20th percentile
Efficiency ratio
58.31%
69th percentile
Non-interest income ratio
4.36%
31th percentile

Capital & Risk

Net worth ratio
15.37%
53th percentile
Delinquency rate
0.88%
45th percentile
Net charge-off rate
0.15%
56th percentile
Loan-to-share
24.31%
8th percentile

Growth

Member growth YoY
-3.32%
30th percentile
Asset growth YoY
0.09%
42th percentile
Loan growth YoY
16.70%
94th percentile
Share growth YoY
-1.20%
39th percentile

Operations

Members / branch
2,094
80th percentile
Assets / member
$8,254
41th percentile
Field of membership penetration
66.67%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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