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 | |