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Steamfitters Phila

West Chester, PA · Charter 18234

NCUA · 1 branch

Q2 2026

$744KAssets
$592KLoans
$628KShares
$116KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.01%, down 19 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.53%, up 143 bps from a year ago.
  • Funding: loans stand at 94.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%-19 bps YoY

Net Interest Margin (YTD, annualized)

5.10%-25 bps YoY

Efficiency Ratio (YTD, annualized)

80.25%+261 bps YoY

Net Worth / Assets

15.53%+143 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.28%0.00%0.80%1.01%-19 bps
Return on Equity8.51%8.62%0.00%5.58%6.50%-201 bps
Net Interest Margin5.35%5.44%5.14%4.71%5.10%-25 bps
Efficiency Ratio77.64%76.48%100.00%83.07%80.25%+261 bps
Growth
Asset Growth (YoY)-19.45%-17.14%-9.31%-10.87%-10.18%+928 bps
Loan Growth (YoY)-23.40%-23.94%-24.71%-18.71%-18.83%+457 bps
Share Growth (YoY)-21.69%-11.89%-10.68%-12.30%-11.68%+1,001 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.98%1.06%1.16%1.12%1.21%+23 bps
Capital
Risk-Based Capital14.10%14.84%13.99%14.30%15.53%+143 bps
Net Worth / Assets14.10%14.84%13.99%14.30%15.53%+143 bps
Liquidity & Funding
Loans / Shares102.54%98.29%89.76%94.03%94.24%-830 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps