Philadelphia, PA · Charter 17885
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 Buffalo-Cheektowaga, NY area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
18
Profitability
31
Liquidity
28
Efficiency
5
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 17885
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 | -3.63% | -2.85% | -2.10% | -4.62% | -3.16% | -3.05% | -1.56% | -1.93% | +269 bps | |
| Return on Equity | -27.91% | -22.16% | -17.07% | -42.47% | -28.00% | -27.84% | -14.87% | -19.52% | +2,295 bps | |
| Net Interest Margin | 4.45% | 4.42% | 3.92% | 3.85% | 4.23% | 4.57% | 4.69% | 4.63% | +79 bps | |
| Efficiency Ratio | 118.30% | 121.20% | 121.21% | 123.15% | 120.86% | 120.06% | 114.81% | 118.42% | -472 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.97% | -11.12% | -8.63% | -8.97% | -7.07% | -9.76% | -9.42% | -6.68% | +229 bps | |
| Loan Growth (YoY) | -9.74% | -8.97% | -8.54% | -7.73% | -0.19% | -7.16% | -11.60% | -15.79% | -806 bps | |
| Share Growth (YoY) | -11.16% | -10.01% | -8.25% | -7.35% | -5.36% | -6.49% | -7.69% | -5.80% | +154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.69% | 2.23% | 1.50% | 1.42% | 1.12% | 1.82% | 1.90% | 2.00% | +58 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.02% | 12.88% | 12.31% | 10.87% | 11.28% | 10.95% | 10.49% | 9.87% | -100 bps | |
| Net Worth / Assets | 13.02% | 12.88% | 12.31% | 10.87% | 11.28% | 10.95% | 10.49% | 9.87% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.27% | 45.24% | 43.39% | 42.97% | 46.69% | 44.92% | 41.55% | 38.41% | -456 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 17885 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.93%
Rank 60 of 60
Net Interest Margin
4.64%
Rank 4 of 60
Efficiency Ratio
118.32%
Rank 58 of 60
Equity / Assets
9.88%
Rank 49 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.93% | 0.35% | 0.84% | 1.37% | Beats 0% | 60 / 60 | ||
| Return on Equity | -19.54% | 2.76% | 6.36% | 10.04% | Beats 0% | 60 / 60 | ||
| Net Interest Margin | 4.64% | 3.02% | 3.63% | 4.05% | Beats 93% | 4 / 60 | ||
| Efficiency Ratio | 118.32% | 67.68% | 77.48% | 89.33% | Beats 5% | 58 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.00% | 0.32% | 0.64% | 1.44% | Beats 18% | 50 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.88% | 10.72% | 13.16% | 17.68% | Beats 18% | 49 / 60 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.88% | 10.72% | 13.16% | 17.68% | Beats 18% | 49 / 60 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.42% | 43.79% | 55.03% | 72.55% | 17th pctl | 50 / 60 | ||
| Loans / Assets | 34.58% | 36.50% | 47.22% | 58.67% | 17th pctl | 50 / 60 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||