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Discovery

Wyomissing, PA · Charter 12935

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

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.

Peer group

Credit unions under $1B in assets in PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

29

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

25

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Discovery

Wyomissing, PA · Charter 12935

NCUA · 1 branch

Q2 2026

$193.2MAssets
$132.0MLoans
$171.1MShares
$22.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.68%, up 20 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.48% of loans (+8 bps YoY).
  • Capital: net worth / assets of 11.48%, up 54 bps from a year ago.
  • Funding: loans stand at 77.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+46 bps YoY

Efficiency Ratio (YTD, annualized)

81.63%-300 bps YoY

Net Worth / Assets

11.48%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.71%0.92%0.89%0.68%+20 bps
Return on Equity4.36%6.30%8.01%7.82%5.90%+154 bps
Net Interest Margin3.24%3.35%3.39%3.70%3.70%+46 bps
Efficiency Ratio84.64%78.16%76.32%78.87%81.63%-300 bps
Growth
Asset Growth (YoY)2.80%3.36%3.88%4.20%4.39%+159 bps
Loan Growth (YoY)9.48%10.86%10.58%8.18%9.38%-11 bps
Share Growth (YoY)1.81%2.46%2.85%3.06%3.49%+169 bps
Asset Quality
Delinquent Loans / Loans0.41%0.44%0.43%0.40%0.48%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.93%11.20%11.44%11.42%11.48%+54 bps
Net Worth / Assets10.93%11.20%11.44%11.42%11.48%+54 bps
Liquidity & Funding
Loans / Shares72.99%76.31%77.63%76.19%77.14%+415 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Discovery

Wyomissing, PA · Charter 12935 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 1 branch

Q2 2026

$193.2MAssets
$132.0MLoans
$171.1MShares
$22.2MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 60% of credit unions under $1B in assets in PA (rank 29 of 72).
  • Widest gap: efficiency ratio trails 75% of credit unions under $1B in assets in PA (rank 55 of 72).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.68%

Rank 50 of 72

Net Interest Margin

3.70%

Rank 29 of 72

Efficiency Ratio

81.63%

Rank 55 of 72

Equity / Assets

11.48%

Rank 51 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.59%1.06%1.40%Beats 31%50 / 72
Return on Equity5.90%5.27%7.11%9.91%Beats 33%48 / 72
Net Interest Margin3.70%3.09%3.57%4.10%Beats 60%29 / 72
Efficiency Ratio81.63%64.37%73.67%81.63%Beats 25%55 / 72
Asset Quality
Nonperforming Loans / Loans0.48%0.20%0.58%1.09%Beats 60%30 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.48%10.74%12.96%16.84%Beats 29%51 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.48%10.74%12.96%16.84%Beats 29%51 / 72
Liquidity & Funding
Loans / Deposits77.14%34.39%52.54%65.98%89th pctl8 / 72
Loans / Assets68.31%30.23%45.37%57.67%90th pctl7 / 72
Brokered Deposits / Depositsn/aNot reported for this institution