Aliquippa Teachers Federal Credit Union
Beaver, PA·Charter 2098·cu:2098·Credit union RBC / net worth
- #270 of 272Total assets in Pennsylvania
- 122members
- Top 2%Cost of deposits vs. peers
- Top 7%Loan quality vs. peers
Performance over time
6 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Aliquippa Teachers Federal Credit Union
6 of 18 FORFI signals stand out against 2507 similar credit unions, based on NCUA data for the quarter.
Net interest margin narrowing while the peer median widensWorth a look: Earnings1.86%peers 3.91%-205 bps
Aliquippa Teachers Federal Credit Union's net interest margin on average assets fell 454 bps over the past year to 1.86%. Among 2496 similar credit unions, the median rose 5 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 1.86% | 3.91% | -205 bps |
| 12-month change | ||
| -454 bps | +5 bps | -459 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Aliquippa Teachers Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio rising faster than peersStrength: Capital34.56%peers 14.28%+20.3 pp
Aliquippa Teachers Federal Credit Union's net worth ratio rose 6.9 percentage points over the past year to 34.56%. Among 2500 similar credit unions, the median rose 0.5 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 34.56% | 14.28% | +20.3 pp |
| 12-month change | ||
| +6.9 pp | +0.5 pp | +6.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Aliquippa Teachers Federal Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising faster than peersWorth a look: Efficiency139.9%peers 81.4%+58.5 pp
Aliquippa Teachers Federal Credit Union's efficiency ratio rose 111.9 percentage points over the past year to 139.9%. Among 2489 similar credit unions, the median rose 1.4 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 139.9% | 81.4% | +58.5 pp |
| 12-month change | ||
| +111.9 pp | +1.4 pp | +110.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Aliquippa Teachers Federal Credit Union itself is left out of every peer median and percentile. How signals work
Share and deposit costs among the lowest of similar credit unionsStrength: Funding0.00%peers 0.90%-90 bps
Aliquippa Teachers Federal Credit Union's cost of all shares and deposits was 0.00%, compared with a median of 0.90% among 2505 similar credit unions: lower than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 0.00% | 0.90% | -90 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Aliquippa Teachers Federal Credit Union itself is left out of every peer median and percentile. How signals work
2 more observations
- Return on assets falling faster than peersEarnings
- Fee and other noninterest income among the lowest of similar credit unionsEarnings
Key facts
- Aliquippa Teachers Federal Credit Union is a federally chartered credit union headquartered in Beaver, Pennsylvania. It reported $131,327 in total assets for the quarter ended March 31, 2026.
- Shares and deposits totaled $85,892, down 28.3% from a year earlier, and loans totaled $6,999, down 80.0%.
- Its net interest margin on average assets was 1.86% and its annualized return on assets was -0.74% for the quarter.
- Its cost of all shares and deposits was 0.00%, compared with a median of 0.90% among 2505 similar credit unions with under $100 million in assets.
- It served 122 members, down 7.6% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Aliquippa Teachers Federal Credit Union's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Aliquippa Teachers Federal Credit Union · Credit union
- NCUA charter
- 2098
- Reporting period
- Peer group
- 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Aliquippa Teachers Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| -$248 | |
| $621 | |
| $0 | |
| $621 | |
| $0 | |
| $869 | |
| $0 | |
| — | |
| -0.74% | |
| 1.86% | |
| 139.94% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-14T14:00:24.523718+00:00. Separate reference provenance is included in the export.