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Holy Trinity Baptist

Philadelphia, PA · Charter 17269

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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

21

Q3 2024Q4 2025peer 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

Holy Trinity Baptist

Philadelphia, PA · Charter 17269

NCUA · 1 branch

Q2 2026

$30KAssets
$7KLoans
$21KShares
$9KNet Worth

Executive Summary

  • Earnings: ROA of 1.17%, down 185 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 30.33%, up 335 bps from a year ago.
  • Funding: loans stand at 35.71% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.17%-185 bps YoY

Net Interest Margin (YTD, annualized)

2.52%-147 bps YoY

Efficiency Ratio (YTD, annualized)

56.03%+1,558 bps YoY

Net Worth / Assets

30.33%+335 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%1.14%3.22%3.02%2.99%2.96%0.96%1.17%-185 bps
Return on Equity2.54%3.98%11.47%11.20%11.07%9.84%3.27%3.85%-735 bps
Net Interest Margin2.50%2.92%3.20%3.99%3.89%4.07%2.14%2.52%-147 bps
Efficiency Ratio78.59%67.58%31.59%40.45%35.99%37.45%60.11%56.03%+1,558 bps
Growth
Asset Growth (YoY)17.17%11.33%12.47%12.09%6.42%5.55%3.98%-4.50%-1,659 bps
Loan Growth (YoY)-23.42%3.16%135.08%224%32.85%-19.34%-43.46%-19.51%-24,384 bps
Share Growth (YoY)21.74%14.51%15.48%14.09%4.68%3.40%2.18%-8.88%-2,298 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 / Loans8.98%8.26%4.77%5.21%6.76%10.24%8.42%6.48%+126 bps
Capital
Risk-Based Capital25.78%28.67%28.03%26.98%27.00%30.13%29.27%30.33%+335 bps
Net Worth / Assets25.78%28.67%28.03%26.98%27.00%30.13%29.27%30.33%+335 bps
Liquidity & Funding
Loans / Shares23.88%29.42%48.02%40.42%30.31%22.95%26.57%35.71%-471 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

Holy Trinity Baptist

Philadelphia, PA · Charter 17269 · 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

$30KAssets
$7KLoans
$21KShares
$9KNet 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 100% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 51 of 51).
  • Overall: at or above the peer median on 3 of 6 directional measures.

Return on Assets

0.00%

Rank 38 of 51

Net Interest Margin

0.00%

Rank 51 of 51

Equity / Assets

30.00%

Rank 3 of 51

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.00%-0.05%0.48%0.90%Beats 22%38 / 51
Return on Equity0.00%-0.58%4.00%6.90%Beats 22%38 / 51
Net Interest Margin0.00%2.96%3.44%3.98%Beats 0%51 / 51
Efficiency Ration/aNot reported for this institution
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 Ratio30.00%10.44%12.55%18.48%Beats 94%3 / 51
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets30.00%10.44%12.55%18.48%Beats 94%3 / 51
Liquidity & Funding
Loans / Deposits33.33%28.84%50.95%65.41%25th pctl38 / 51
Loans / Assets23.33%20.51%39.58%57.94%25th pctl38 / 51
Brokered Deposits / Depositsn/aNot reported for this institution