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Associated Credit Union

Norcross, GA · Charter 60484

NCUA · 18 branches

Q2 2026

$2.5BAssets
$1.9BLoans
$2.2BShares
$331.9MNet 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 0.72%, up 11 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.30% of loans (-6 bps YoY).
  • Capital: net worth / assets of 13.03%, up 64 bps from a year ago.
  • Funding: loans stand at 84.87% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.72%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.65%+42 bps YoY

Efficiency Ratio (quarter, annualized)

75.01%-54 bps YoY

Net Worth / Assets

13.03%+64 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.67%0.76%0.65%0.72%+11 bps
Return on Equity4.91%5.19%5.96%5.11%5.50%+59 bps
Net Interest Margin3.23%3.45%3.41%3.60%3.65%+42 bps
Efficiency Ratio75.55%74.55%71.47%75.02%75.01%-54 bps
Growth
Asset Growth (YoY)2.58%-0.84%2.75%10.87%11.06%+848 bps
Loan Growth (YoY)10.05%6.06%5.29%10.51%8.12%-194 bps
Share Growth (YoY)1.41%-2.08%1.41%9.35%10.02%+861 bps
Asset Quality
Delinquent Loans / Loans0.36%0.40%0.34%0.30%0.30%-6 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 Capital12.39%12.95%12.77%12.78%13.03%+64 bps
Net Worth / Assets12.39%12.95%12.77%12.78%13.03%+64 bps
Liquidity & Funding
Loans / Shares86.36%89.37%87.08%84.73%84.87%-150 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps