Altoona Area Employees Federal Credit Union Altoona, Pennsylvania
Altoona Area Employees Federal Credit Union is a federal credit union headquartered in Altoona, PA, established in 1981 (NCUA charter 23753), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,674 members and total assets of $19.4M (up 2.7% from Q2 2025), the 174th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 11.50% at Q2 2026, in the well capitalized band.
Also written as Altoona Area Employees FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 23753
- Headquarters
- Altoona, PA
- Established
- 1981
- Total assets, Q2 2026
- $19.4M
- Assets vs Q2 2025
- +2.7%
- Members, Q2 2026
- 1,674
- Net worth ratio, Q2 2026
- 11.50%
- Latest call report
- Q2 2026, NCUA 5300 · Altoona Area Employees Federal Credit Union call report
- Asset rank in state
- 174th of 269 in Pennsylvania
- Routing number
- 231388656
- Branches
- 1
It had the same number of members on June 30, 2025. Its net worth ratio was up 0.82 percentage points from 10.68% on June 30, 2025. Used vehicle loans are its largest loan category, $2.2M of $5.5M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Pennsylvania
Frequently asked about Altoona Area Employees Federal Credit Union
How big is Altoona Area Employees Federal Credit Union?
At Q2 2026 it reported total assets of $19.4M and 1,674 members.
Where is Altoona Area Employees Federal Credit Union headquartered?
It is headquartered in Altoona, PA, United States.
When was Altoona Area Employees Federal Credit Union founded?
It was established in 1981, per NCUA records.
Is Altoona Area Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 23753): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Altoona Area Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Altoona Area Employees Federal Credit Union well capitalized?
Its net worth ratio was 11.50% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Altoona Area Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 32.34% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Altoona, PA 16602
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1981
- NCUA Charter #
- 23753
- RSSD ID
- 840194
- Members
- 1,674
- Potential members
- 6,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.50% | 14.31% | 28th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.45% | 0.72% | 79th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 12.62% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.51% | 3.93% | 33rd below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 66.33% | 79.83% | 77th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.37% | 0.78% | 75th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.88% | 4.70% | 16th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 32.34% | 58.92% | 14th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$19.4M total assets against $18.9M; $17.2M total shares and deposits against $16.9M; $5.5M total loans against $5.2M.
$2.2M net worth against $2.0M.
11.50% net worth ratio against 10.68%.
32.34% loan-to-share ratio against 30.95%.
1.45% return on assets against 1.00%; 12.62% return on equity against 9.41%.
3.51% net interest margin against 2.90%.
1,674 members against 1,674.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.50% | 1.45% | — | 32.34% |
| March 31, 2026 | 10.74% | 1.14% | — | 28.99% |
| December 31, 2025 | 10.70% | 0.86% | — | 27.92% |
| September 30, 2025 | 10.88% | 0.95% | 0.04% | 30.08% |
| June 30, 2025 | 10.68% | 1.00% | — | 30.95% |
| March 31, 2025 | 10.23% | 1.15% | — | 31.23% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.