PackageTrendsPeer
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Alden

Chicopee, MA · Charter 67951

NCUA · 2 branches

Q2 2026

$185.4MAssets
$143.3MLoans
$151.1MShares
$17.0MNet 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 0.25%, up 12 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 1.14% of loans (+34 bps YoY).
  • Capital: net worth / assets of 9.18%, up 33 bps from a year ago.
  • Funding: loans stand at 94.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.25%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+46 bps YoY

Efficiency Ratio (YTD, annualized)

90.10%-283 bps YoY

Net Worth / Assets

9.18%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.15%0.18%0.25%0.25%+12 bps
Return on Equity1.48%1.76%2.01%2.82%2.75%+127 bps
Net Interest Margin1.94%1.91%1.99%2.29%2.40%+46 bps
Efficiency Ratio92.93%92.75%92.50%89.69%90.10%-283 bps
Growth
Asset Growth (YoY)-4.39%-2.69%-1.89%-2.46%-1.73%+266 bps
Loan Growth (YoY)0.39%1.98%1.08%1.96%-0.38%-77 bps
Share Growth (YoY)-6.67%-8.63%-2.16%-3.83%-0.21%+646 bps
Asset Quality
Delinquent Loans / Loans0.80%1.07%1.49%0.81%1.14%+34 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 Capital8.85%8.74%8.88%8.99%9.18%+33 bps
Net Worth / Assets8.85%8.74%8.88%8.99%9.18%+33 bps
Liquidity & Funding
Loans / Shares95.00%98.26%97.85%96.44%94.85%-16 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps