Colmar, PA · Charter 10720
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50 to 51). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
64
Profitability
62
Liquidity
47
Efficiency
86
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Colmar, PA · Charter 10720
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.48% | 0.89% | 1.07% | 1.07% | 1.04% | 0.93% | 1.12% | +6 bps | |
| Return on Equity | 3.76% | 4.19% | 7.95% | 9.20% | 9.02% | 8.63% | 7.75% | 8.95% | -24 bps | |
| Net Interest Margin | 2.13% | 2.15% | 2.28% | 2.52% | 2.68% | 2.73% | 2.78% | 2.98% | +46 bps | |
| Efficiency Ratio | 84.04% | 82.10% | 71.97% | 67.05% | 67.13% | 67.46% | 67.37% | 64.26% | -280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.83% | -2.70% | 3.57% | 1.61% | 5.22% | 3.86% | 1.98% | 0.94% | -67 bps | |
| Loan Growth (YoY) | 5.85% | 10.82% | 12.13% | 8.10% | 1.17% | -3.96% | -3.41% | -3.95% | -1,205 bps | |
| Share Growth (YoY) | -6.97% | -3.50% | 3.34% | 0.93% | 4.82% | 3.12% | 1.03% | -0.17% | -109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 0.94% | 0.74% | 1.59% | 0.88% | 1.16% | 0.80% | 0.68% | -91 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.43% | 11.46% | 11.17% | 11.59% | 11.81% | 12.07% | 11.98% | 12.55% | +96 bps | |
| Net Worth / Assets | 11.43% | 11.46% | 11.17% | 11.59% | 11.81% | 12.07% | 11.98% | 12.55% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.45% | 30.43% | 28.73% | 29.97% | 28.42% | 28.34% | 27.47% | 28.84% | -113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Colmar, PA · Charter 10720 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 1 branch
Q2 2026
Return on Assets
1.12%
Rank 11 of 51
Net Interest Margin
2.98%
Rank 38 of 51
Efficiency Ratio
64.21%
Rank 8 of 50
Equity / Assets
12.55%
Rank 26 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | -0.05% | 0.48% | 0.90% | Beats 78% | 11 / 51 | ||
| Return on Equity | 8.93% | -0.58% | 4.00% | 6.90% | Beats 84% | 8 / 51 | ||
| Net Interest Margin | 2.98% | 2.96% | 3.44% | 3.98% | Beats 25% | 38 / 51 | ||
| Efficiency Ratio | 64.21% | 73.91% | 81.87% | 94.16% | Beats 86% | 8 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.67% | 0.19% | 0.96% | 1.83% | Beats 64% | 19 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.55% | 10.44% | 12.55% | 18.48% | Beats 49% | 26 / 51 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.55% | 10.44% | 12.55% | 18.48% | Beats 49% | 26 / 51 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 28.84% | 28.84% | 50.95% | 65.41% | 24th pctl | 39 / 51 | ||
| Loans / Assets | 25.21% | 20.51% | 39.58% | 57.94% | 27th pctl | 37 / 51 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||