PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Affiliated Trades

Collegeville, PA · Charter 61808

NCUA · 1 branch

Q2 2026

$40.1MAssets
$15.2MLoans
$35.9MShares
$4.2MNet 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 0.40%, up 11 bps year over year; NIM at 2.42%.
  • Asset quality: problem loans at 2.22% of loans (-51 bps YoY).
  • Capital: net worth / assets of 10.44%, down 4 bps from a year ago.
  • Funding: loans stand at 42.36% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.42%+14 bps YoY

Efficiency Ratio (YTD, annualized)

79.44%+51 bps YoY

Net Worth / Assets

10.44%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.27%0.36%0.28%0.40%+11 bps
Return on Equity2.80%2.62%3.49%2.65%3.83%+103 bps
Net Interest Margin2.28%2.29%2.28%2.30%2.42%+14 bps
Efficiency Ratio78.93%82.49%80.40%85.27%79.44%+51 bps
Growth
Asset Growth (YoY)5.79%4.53%5.55%5.07%4.54%-125 bps
Loan Growth (YoY)2.95%2.77%0.61%0.08%0.58%-237 bps
Share Growth (YoY)6.10%4.79%5.79%4.94%4.64%-146 bps
Asset Quality
Delinquent Loans / Loans2.73%2.26%1.84%1.94%2.22%-51 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 Capital10.48%10.41%10.37%10.41%10.44%-4 bps
Net Worth / Assets10.48%10.41%10.37%10.41%10.44%-4 bps
Liquidity & Funding
Loans / Shares44.07%43.65%42.81%42.27%42.36%-171 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps