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Pinn Memorial

Philadelphia, PA · Charter 16728

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 the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

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 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.

Peer standing

Capital

69

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

74

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

Pinn Memorial

Philadelphia, PA · Charter 16728

NCUA · 1 branch

Q2 2026

$276KAssets
$5KLoans
$226KShares
$50KNet Worth

Executive Summary

  • Earnings: ROA of 0.84%, down 72 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 18.14%, up 199 bps from a year ago.
  • Funding: loans stand at 2.11% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.84%-72 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-24 bps YoY

Efficiency Ratio (YTD, annualized)

71.87%+1,950 bps YoY

Net Worth / Assets

18.14%+199 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.96%2.00%1.18%1.56%1.86%1.39%0.17%0.84%-72 bps
Return on Equity16.22%11.11%6.67%9.68%10.75%8.10%0.81%4.64%-503 bps
Net Interest Margin4.10%3.36%3.62%3.22%3.27%2.58%3.76%2.98%-24 bps
Efficiency Ratio28.29%45.68%67.92%52.38%44.28%51.53%95.48%71.87%+1,950 bps
Growth
Asset Growth (YoY)3.86%9.39%7.18%15.64%16.12%13.91%-9.63%-5.63%-2,127 bps
Loan Growth (YoY)107.67%-28.58%-24.17%-29.47%7.21%7.34%6.18%14.66%+4,413 bps
Share Growth (YoY)1.39%8.73%6.26%16.53%17.50%15.02%-13.27%-7.87%-2,440 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans27.56%30.79%34.53%42.22%25.70%28.69%32.52%36.83%-540 bps
Capital
Risk-Based Capital18.24%17.96%17.77%16.15%17.27%17.16%21.08%18.14%+199 bps
Net Worth / Assets18.24%17.96%17.77%16.15%17.27%17.16%21.08%18.14%+199 bps
Liquidity & Funding
Loans / Shares3.19%2.77%2.40%1.69%2.91%2.59%2.94%2.11%+41 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Pinn Memorial

Philadelphia, PA · Charter 16728 · 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

$276KAssets
$5KLoans
$226KShares
$50KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 10 of 50).
  • Widest gap: net interest margin trails 78% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 40 of 51).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.72%

Rank 14 of 51

Net Interest Margin

2.90%

Rank 40 of 51

Efficiency Ratio

75.00%

Rank 14 of 50

Equity / Assets

18.12%

Rank 16 of 51

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.72%-0.05%0.48%0.90%Beats 73%14 / 51
Return on Equity4.00%-0.58%4.00%6.90%Beats 49%26 / 51
Net Interest Margin2.90%2.96%3.44%3.98%Beats 22%40 / 51
Efficiency Ratio75.00%73.91%81.87%94.16%Beats 74%14 / 50
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.96%1.83%Beats 100%10 / 50
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.12%10.44%12.55%18.48%Beats 69%16 / 51
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.12%10.44%12.55%18.48%Beats 69%16 / 51
Liquidity & Funding
Loans / Deposits2.21%28.84%50.95%65.41%4th pctl49 / 51
Loans / Assets1.81%20.51%39.58%57.94%4th pctl49 / 51
Brokered Deposits / Depositsn/aNot reported for this institution