Armco Credit Union
Butler, PA·Charter 65291·cu:65291·CCULR opted in
- #22 of 269Total assets in Pennsylvania
- 44.1Kmembers
- Top 2%Business loan growth in the U.S.
- #8 of 86Margin improvement in Pennsylvania
Performance over time
7 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 Armco Credit Union
3 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Commercial lending growing with steady creditStrength: Lending FORFI signal 2nd quarter+113.8%peers +8.0%+105.8 pp
Armco Credit Union's member business loans grew faster than at similar credit unions, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Member business loans, 12-month growth | ||
| +113.8% | +8.0% | +105.8 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Armco Credit Union itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the share base as cash fallsWorth a look: Liquidity82.5%+5.9 pp in 12 months
Armco Credit Union's loans rose to 82.5% of shares and deposits, 5.9 percentage points higher than a year earlier, while cash fell to 22.1% of assets. The median change in the loan-to-share ratio among 563 similar credit unions was -0.2 pp.
| Observed | Change |
|---|---|
| Loans / shares and deposits | |
| 82.5% | +5.9 pp in 12 months |
| Cash / assets | |
| 22.1% | -6.9 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Armco Credit Union itself is left out of every peer median and percentile. How signals work
Where Armco Credit Union differs most from peers
Share and deposit costs falling faster than peersContext: Funding1.80%peers 1.45%+35 bps
Armco Credit Union's cost of all shares and deposits fell 27 bps over the past year to 1.80%. Among 561 similar credit unions, the median fell 7 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 1.80% | 1.45% | +35 bps |
| 12-month change | ||
| -27 bps | -7 bps | -21 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Armco Credit Union itself is left out of every peer median and percentile. How signals work
1 more observation
- Member business lending growing faster than peersLending
Key facts
- Armco Credit Union is a state-chartered credit union headquartered in Butler, Pennsylvania. It reported $719 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $622 million, up 3.4% from a year earlier, and loans totaled $514 million, up 11.3%.
- Its net interest margin on average assets was 3.16% and its annualized return on assets was 1.21% for the quarter.
- Its cost of all shares and deposits was 1.80%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 44,149 members, down 2.8% 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 Armco Credit Union's own data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
Analysis workspaces
Sources and identifiers
- Institution
- Armco Credit Union · Credit union
- NCUA charter
- 65291
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Armco 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 · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $2.17M | |
| $8.45M | |
| $2.79M | |
| $5.66M | |
| $1.59M | |
| $4.95M | |
| $129.26K | |
| $129.26K | |
| 1.21% | |
| 3.16% | |
| 68.30% |
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 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.