State credit union · COLLEGEVILLE, Pennsylvania · NCUA charter #61808
Affiliated Trades
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $39.6M
- Total assets
- 2,309
- Members
- 10.4%
- Net-worth ratio
Affiliated Trades - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61808. See our deposit-insurance coverage note.
Affiliated Trades - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)55
- Earnings (ROA)96
- Member growth0
- Liquidity (loan-to-share)66
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.37% | 30% |
| Delinquency Rate | 1.84% | 25% |
| Return on Assets | 0.46% | 15% |
| Member Growth | -5.95% | 15% |
| Loan-to-Share Ratio | 42.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $39.6M | 2,309 |
| 2024Q4 | $37.5M | 2,455 |
| 2023Q4 | $35.5M | 2,528 |
Credit Union Details
- Charter Number
- 61808
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- COLLEGEVILLE
- Data Quarter
- 2025Q4
What This Data Says About Affiliated Trades
The five-factor composite scores Affiliated Trades at 68/100 (Good), reflecting a net worth ratio of 10.37% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in COLLEGEVILLE, Pennsylvania, reports 2,309 members, $39.6M in total assets, and $15.2M in outstanding loans as of Q4 2025 under charter #61808 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 1.84% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 42.81% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.46% on net income of $181K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.95%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Affiliated Trades financially healthy?
Affiliated Trades has a financial health score of 68/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.37% and delinquency rate of 1.84%.
How does Affiliated Trades compare to other credit unions?
On PlainCU's health composite, Affiliated Trades lands at 68/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Affiliated Trades?
Membership eligibility for Affiliated Trades depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Affiliated Trades directly for current membership requirements and application steps.
Is my money safe at Affiliated Trades?
Federal credit unions like Affiliated Trades are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Affiliated Trades's net worth ratio of 10.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Affiliated Trades offer compared to banks?
Credit unions like Affiliated Trades are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Affiliated Trades directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.