PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Associated Healthcare

Woodbury, MN · Charter 60466

NCUA · 5 branches

Q2 2026

$175.8MAssets
$126.8MLoans
$154.4MShares
$23.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.75%, down 14 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.62% of loans (+25 bps YoY).
  • Capital: net worth / assets of 13.31%, up 15 bps from a year ago.
  • Funding: loans stand at 82.16% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.75%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+16 bps YoY

Efficiency Ratio (YTD, annualized)

75.36%+288 bps YoY

Net Worth / Assets

13.31%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.03%0.71%0.89%0.97%0.90%0.52%0.75%-14 bps
Return on Equity8.18%7.77%5.46%6.77%7.27%6.73%3.98%5.67%-110 bps
Net Interest Margin3.23%3.22%3.17%3.20%3.21%3.27%3.26%3.36%+16 bps
Efficiency Ratio71.06%71.54%75.30%72.48%72.43%74.37%75.96%75.36%+288 bps
Growth
Asset Growth (YoY)2.13%3.87%4.69%6.26%5.44%5.19%4.53%4.81%-145 bps
Loan Growth (YoY)-0.84%-1.83%-1.80%-4.19%-1.36%0.53%-0.35%2.64%+683 bps
Share Growth (YoY)0.73%2.60%3.40%5.75%4.79%6.44%3.30%5.17%-58 bps
Asset Quality
Delinquent Loans / Loans0.54%0.37%0.41%0.37%0.41%0.42%0.53%0.62%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.11%13.21%12.98%13.16%13.30%13.37%13.18%13.31%+15 bps
Net Worth / Assets13.11%13.21%12.98%13.16%13.30%13.37%13.18%13.31%+15 bps
Liquidity & Funding
Loans / Shares89.93%88.28%84.66%84.18%84.65%83.38%81.66%82.16%-202 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps