Philadelphia, PA · Charter 16525
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
84
Asset Quality
100
Profitability
10
Liquidity
0
Efficiency
10
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.
Philadelphia, PA · Charter 16525
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 | 1.30% | 1.35% | 1.43% | 1.55% | 1.93% | 0.71% | 0.15% | -0.45% | -201 bps | |
| Return on Equity | 5.33% | 5.63% | 5.99% | 6.39% | 8.11% | 3.07% | 0.63% | -2.08% | -847 bps | |
| Net Interest Margin | 3.22% | 3.02% | 2.97% | 3.26% | 3.45% | 3.52% | 3.02% | 2.47% | -80 bps | |
| Efficiency Ratio | 60.96% | 56.63% | 51.97% | 52.72% | 44.67% | 79.98% | 95.19% | 118.42% | +6,570 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.55% | -9.03% | 1.03% | 4.36% | 10.79% | 6.36% | 5.65% | 9.94% | +558 bps | |
| Loan Growth (YoY) | -39.80% | -25.76% | -5.63% | 3.70% | 23.89% | 3.23% | -18.43% | 12.36% | +866 bps | |
| Share Growth (YoY) | -15.45% | -12.93% | -0.52% | 3.68% | 11.60% | 7.37% | 6.88% | 13.52% | +985 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.36% | 2.57% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 12.90% | 11.97% | 9.08% | 8.79% | 9.23% | 10.70% | 12.64% | 8.88% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.38% | 23.93% | 23.96% | 24.32% | 23.84% | 23.21% | 23.08% | 21.86% | -245 bps | |
| Net Worth / Assets | 24.38% | 23.93% | 23.96% | 24.32% | 23.84% | 23.21% | 23.08% | 21.86% | -245 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 7.83% | 8.09% | 8.80% | 9.38% | 8.69% | 7.78% | 6.72% | 9.29% | -10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Philadelphia, PA · Charter 16525 · 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
-0.51%
Rank 47 of 51
Net Interest Margin
2.56%
Rank 46 of 51
Efficiency Ratio
110.00%
Rank 46 of 50
Equity / Assets
21.92%
Rank 8 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.51% | -0.05% | 0.48% | 0.90% | Beats 8% | 47 / 51 | ||
| Return on Equity | -2.34% | -0.58% | 4.00% | 6.90% | Beats 12% | 45 / 51 | ||
| Net Interest Margin | 2.56% | 2.96% | 3.44% | 3.98% | Beats 10% | 46 / 51 | ||
| Efficiency Ratio | 110.00% | 73.91% | 81.87% | 94.16% | Beats 10% | 46 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.96% | 1.83% | Beats 100% | 10 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.92% | 10.44% | 12.55% | 18.48% | Beats 84% | 8 / 51 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.92% | 10.44% | 12.55% | 18.48% | Beats 84% | 8 / 51 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 9.36% | 28.84% | 50.95% | 65.41% | 8th pctl | 47 / 51 | ||
| Loans / Assets | 7.31% | 20.51% | 39.58% | 57.94% | 8th pctl | 47 / 51 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||