Credit Union Safety Analysis
Is Affiliated Trades Credit Union Safe? Collegeville, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Affiliated Trades Credit Union has a net worth ratio of 10.44%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.22%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Affiliated Trades Credit Union's net worth ratio is 10.44%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.44%
- Delinquency ratio (60+ days) (Q2 2026): 2.22%
- Return on assets (Q2 2026): 0.53%
- Loan-to-share ratio (Q2 2026): 42.36%
Affiliated Trades Credit Union (NCUA charter 61808, established 1974) reported $40.1M in assets and 2,300 members for Q2 2026 from Collegeville, Pennsylvania. It ranks 136 of 269 credit unions in Pennsylvania by total assets. Total assets grew 4.5% from $38.3M on June 30, 2025. It has 31 more members than on June 30, 2025 (+1.4%). Its net worth ratio was down 0.04 percentage points from 10.48% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $9.8M of $15.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.22% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.41% for Q1 2026; 10.48% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.94% for Q1 2026; 2.73% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.28% for Q1 2026; 0.48% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 42.27% for Q1 2026; 44.07% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $9.8M
- Used vehicle loans: $2.3M
- New vehicle loans: $1.8M
- Other secured non-real estate loans and lines of credit: $813K
- Other unsecured loans and lines of credit: $561K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $40.1M | 10.44% | 2.22% | 0.53% | 42.36% |
| March 31, 2026 | $39.7M | 10.41% | 1.94% | 0.28% | 42.27% |
| December 31, 2025 | $39.6M | 10.37% | 1.84% | 0.64% | 42.81% |
| September 30, 2025 | $38.8M | 10.41% | 2.26% | 0.24% | 43.65% |
| June 30, 2025 | $38.3M | 10.48% | 2.73% | 0.48% | 44.07% |
| March 31, 2025 | $37.8M | 10.51% | 2.36% | 0.11% | 44.32% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Affiliated Trades Credit Union profile
Regulator records: NCUA credit union profile (charter 61808) · FFIEC NIC profile (RSSD 706197)
Frequently asked questions
Is Affiliated Trades Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Affiliated Trades Credit Union's net worth ratio is 10.44%, above the 7% NCUA threshold for well capitalized.
Is Affiliated Trades Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Affiliated Trades Credit Union is a federally insured credit union (NCUA charter 61808): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Affiliated Trades Credit Union's key safety ratios?
For Q2 2026, Affiliated Trades Credit Union reports net worth 10.44%, delinquency 2.22%, ROA 0.53%, loan-to-share 42.36%.
What happens to my money if Affiliated Trades Credit Union fails?
For Q2 2026, Affiliated Trades Credit Union held $35.9M in shares and deposits for 2,300 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.