PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

America's Credit Union, A

DuPont, WA · Charter 9373

NCUA · 12 branches

Q2 2026

$709.5MAssets
$570.3MLoans
$575.8MShares
$75.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.57%, up 36 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.32% of loans (+1 bps YoY).
  • Capital: net worth / assets of 10.62%, up 18 bps from a year ago.
  • Funding: loans stand at 99.04% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.57%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.15%-11 bps YoY

Efficiency Ratio (YTD, annualized)

82.84%-598 bps YoY

Net Worth / Assets

10.62%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%0.18%0.12%0.21%0.21%0.25%1.05%0.57%+36 bps
Return on Equity0.30%1.76%1.15%2.01%1.99%2.44%9.72%5.32%+331 bps
Net Interest Margin3.13%3.15%3.19%3.25%3.22%3.21%3.18%3.15%-11 bps
Efficiency Ratio89.46%88.54%92.09%88.83%89.91%88.54%73.56%82.84%-598 bps
Growth
Asset Growth (YoY)-0.66%0.07%1.45%0.94%1.66%1.31%-0.24%2.14%+119 bps
Loan Growth (YoY)-0.33%1.62%3.40%1.83%3.53%1.75%1.17%4.72%+289 bps
Share Growth (YoY)-9.74%-0.90%-1.20%-2.18%1.47%-4.06%1.18%4.63%+681 bps
Asset Quality
Delinquent Loans / Loans0.09%0.21%0.29%0.31%0.46%0.50%0.33%0.32%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.23%10.30%10.28%10.44%10.34%10.39%10.76%10.62%+18 bps
Net Worth / Assets10.23%10.30%10.28%10.44%10.34%10.39%10.76%10.62%+18 bps
Liquidity & Funding
Loans / Shares98.79%94.21%97.37%98.96%100.79%99.92%97.36%99.04%+8 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps