PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Afgm Enterprises

Cheektowaga, NY · Charter 15618

NCUA · 1 branch

Q2 2026

$13.4MAssets
$8.7MLoans
$9.9MShares
$3.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.84%, down 76 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 1.16% of loans (-79 bps YoY).
  • Capital: net worth / assets of 25.65%, down 36 bps from a year ago.
  • Funding: loans stand at 87.23% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%-76 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-72 bps YoY

Efficiency Ratio (YTD, annualized)

76.79%+534 bps YoY

Net Worth / Assets

25.65%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.46%0.53%1.17%0.84%-76 bps
Return on Equity6.15%5.41%2.05%4.69%3.28%-287 bps
Net Interest Margin4.23%4.16%3.86%3.75%3.51%-72 bps
Efficiency Ratio71.45%71.96%76.50%69.58%76.79%+534 bps
Growth
Asset Growth (YoY)4.17%1.35%3.15%6.90%4.98%+81 bps
Loan Growth (YoY)-13.66%-16.05%-15.70%-13.18%-10.11%+355 bps
Share Growth (YoY)4.27%0.09%2.27%7.52%5.37%+110 bps
Asset Quality
Delinquent Loans / Loans1.95%1.73%1.29%1.17%1.16%-79 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital26.01%26.91%26.02%25.05%25.65%-36 bps
Net Worth / Assets26.01%26.91%26.02%25.05%25.65%-36 bps
Liquidity & Funding
Loans / Shares102.25%100.34%91.69%85.04%87.23%-1,502 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps