PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alltrust

Fairhaven, MA · Charter 67481

NCUA · 4 branches

Q2 2026

$280.2MAssets
$214.7MLoans
$242.0MShares
$23.7MNet 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 -1.06%, up 54 bps year over year; NIM at 1.99%.
  • Asset quality: problem loans at 3.57% of loans (-11 bps YoY).
  • Capital: net worth / assets of 8.46%, down 35 bps from a year ago.
  • Funding: loans stand at 88.72% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.06%+54 bps YoY

Net Interest Margin (YTD, annualized)

1.99%+12 bps YoY

Efficiency Ratio (YTD, annualized)

123.78%+1,008 bps YoY

Net Worth / Assets

8.46%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.60%-1.44%-1.55%-0.27%-1.06%+54 bps
Return on Equity-18.11%-16.53%-18.09%-3.19%-12.51%+559 bps
Net Interest Margin1.87%1.87%1.94%1.90%1.99%+12 bps
Efficiency Ratio113.70%115.92%118.61%107.13%123.78%+1,008 bps
Growth
Asset Growth (YoY)-1.77%-2.49%-7.12%-8.65%-9.47%-770 bps
Loan Growth (YoY)-10.20%-10.94%-9.20%-9.75%-9.86%+34 bps
Share Growth (YoY)6.04%5.92%2.30%-0.85%-1.46%-750 bps
Asset Quality
Delinquent Loans / Loans3.67%3.84%4.14%3.65%3.57%-11 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 Capital8.82%8.71%8.58%8.58%8.46%-35 bps
Net Worth / Assets8.82%8.71%8.58%8.58%8.46%-35 bps
Liquidity & Funding
Loans / Shares96.99%93.25%90.71%89.44%88.72%-827 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps