TellerScore

Headquartered in Collegeville, Pennsylvania, Affiliated Trades Credit Union is a federally insured state-chartered credit union with $40.1M in total assets and $35.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1974.

Affiliated Trades Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 247th. Funding & liquidity contributes the most (100/100, 42% loans-to-deposits, 4% uninsured); loan quality contributes the least (26/100, 2.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.44%
Loan quality26/100
Loans 60+ days delinquent ÷ total loans: 2.22%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity100/100
Loans ÷ shares: 42.4% · 4.3% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (48 → 53), mostly because the loan quality component improved by 17 points.

TellerScore
485256Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202448
Q4 202450
Q1 202550
Q2 202548
Q3 202552
Q4 202556
Q1 202655
Q2 202653
Net worth ratio
7.00%8.84%10.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.69%
Q3 202410.53%
Q4 202410.56%
Q1 202510.51%
Q2 202510.48%
Q3 202510.41%
Q4 202510.37%
Q1 202610.41%
Q2 202610.44%
Delinquent loans (60+ days)
1.84%2.35%2.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.59%
Q3 20242.85%
Q4 20242.67%
Q1 20252.36%
Q2 20252.73%
Q3 20252.26%
Q4 20251.84%
Q1 20261.94%
Q2 20262.22%
Return on assets
0.11%0.32%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.48%
Q4 20240.48%
Q1 20250.11%
Q2 20250.29%
Q3 20250.27%
Q4 20250.36%
Q1 20260.28%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$40.1M10.44%2.22%0.40%42.4%
Q1 202655$39.7M10.41%1.94%0.28%42.3%
Q4 202556$39.6M10.37%1.84%0.36%42.8%
Q3 202552$38.8M10.41%2.26%0.27%43.7%
Q2 202548$38.3M10.48%2.73%0.29%44.1%
Q1 202550$37.8M10.51%2.36%0.11%44.3%
Q4 202450$37.5M10.56%2.67%0.48%45.0%
Q3 202448$37.2M10.53%2.85%0.48%44.5%
Q2 202452$36.2M10.69%2.59%0.52%45.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.44%
20th
Problem loans2.22%
18th
Net charge-offs-0.04%
91st
Return on assets0.40%
37th
Loans to deposits42.4%
75th
Uninsured deposits4.3%
26th
Loan-loss reserves0.00%
37th
Texas ratio8.1%
18th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Bva Federal Credit UnionCredit union Belle Vernon, PA47 out of 100, Below average$39.7M9.4%5.02%vs
New Directions Community Credit UnionCredit union Franklin, PA75 out of 100, Strong$40.7M14.5%0.76%vs
Visionary Federal Credit UnionCredit union Bridgeville, PA76 out of 100, Strong$40.8M12.7%1.31%vs
A & S Federal Credit UnionCredit union Aliquippa, PA95 out of 100, Very strong$39.3M15.1%0.55%vs
Bucks County Employees Credit UnionCredit union Doylestown, PA71 out of 100, Strong$39.2M12.2%0.91%vs
Norwin Teachers Federal Credit UnionCredit union North Huntingdo, PA73 out of 100, Strong$38.8M10.8%0.73%vs

Deposit insurance

Is my money safe at Affiliated Trades Credit Union?

Yes. Affiliated Trades Credit Union is a federally insured credit union (NCUA charter #61808). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.3% of shares and deposits ($1.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Affiliated Trades Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Affiliated Trades Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61808
RSSD ID
706197
Primary regulator
State + NCUA
Established
1974
Headquarters
3900 Ridge Pike, Collegeville, PA 19426
Employees
3

Quick answers

Affiliated Trades Credit Union: common questions

Is Affiliated Trades Credit Union NCUA insured?

Yes. Affiliated Trades Credit Union is a federally insured credit union (NCUA charter #61808). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Affiliated Trades Credit Union's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Affiliated Trades Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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