ARMSTRONG CO. FEDERAL EMP.
Charter #19745 · KITTANNING, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.83% sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.02% sits at the 95th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 58th — a 27-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ARMSTRONG CO. FEDERAL EMP. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.66M | 30th pct | 54th pct |
| Members | 2,083 | 49th pct | 66th pct |
| Net worth ratio | 15.18% | 61th pct | 54th pct |
| Return on average assets | 0.59% | 47th pct | 51th pct |
| Net interest margin | 2.83% | 12th pct | 23th pct |
| Cost of funds | 0.58% | 37th pct | 39th pct |
| Loan-to-share | 22.89% | 4th pct | 13th pct |
| Delinquency 60+ days | 0.22% | 31th pct | 47th pct |
| Net charge-off ratio | 1.02% | 86th pct | 95th pct |
| Loan growth YoY | -4.86% | 31th pct | 58th pct |
| Share growth YoY | 1.49% | 39th pct | 46th pct |
| Efficiency ratio | 80.30% | 50th pct | 46th pct |
structural peer set hash: 075d9a6cff4c4718387cd9544051be73… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.