PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

A.A.E.C.

Arlington Heigh, IL · Charter 60648

NCUA · 1 branch

Q2 2026

$118.9MAssets
$51.2MLoans
$102.3MShares
$15.5MNet 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 7 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.02% of loans (-3 bps YoY).
  • Capital: net worth / assets of 13.03%, down 39 bps from a year ago.
  • Funding: loans stand at 50.03% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.72%+7 bps YoY

Net Interest Margin (quarter, annualized)

2.63%+34 bps YoY

Efficiency Ratio (quarter, annualized)

71.62%+74 bps YoY

Net Worth / Assets

13.03%-39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.65%0.34%0.58%0.72%+7 bps
Return on Equity4.81%4.96%2.68%4.50%5.49%+68 bps
Net Interest Margin2.30%2.28%2.22%2.55%2.63%+34 bps
Efficiency Ratio70.89%71.33%81.51%74.06%71.62%+74 bps
Growth
Asset Growth (YoY)13.69%18.37%10.40%7.21%6.18%-751 bps
Loan Growth (YoY)1.52%2.36%4.45%4.52%6.04%+452 bps
Share Growth (YoY)14.06%20.22%10.67%7.14%5.60%-846 bps
Asset Quality
Delinquent Loans / Loans0.05%0.05%0.06%0.07%0.02%-3 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 Capital13.43%13.01%12.77%12.84%13.03%-39 bps
Net Worth / Assets13.43%13.01%12.77%12.84%13.03%-39 bps
Liquidity & Funding
Loans / Shares49.82%47.17%47.82%48.87%50.03%+21 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps