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Steamfitters Phila

West Chester, PA · Charter 18234

NCUA · 1 branch

Q2 2026

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

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.

Return on Assets (quarter, annualized)

1.01%-19 bps YoY

Net Interest Margin (quarter, annualized)

5.10%-25 bps YoY

Efficiency Ratio (quarter, annualized)

80.25%+261 bps YoY

Net Worth / Assets

15.53%+143 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.20%1.33%1.20%1.28%0.00%0.80%1.01%-19 bps
Return on Equity11.95%9.48%10.29%8.51%8.62%0.00%5.58%6.50%-201 bps
Net Interest Margin5.17%5.28%5.22%5.35%5.44%5.14%4.71%5.10%-25 bps
Efficiency Ratio70.74%77.23%74.59%77.64%76.48%100.00%83.07%80.25%+261 bps
Growth
Asset Growth (YoY)-11.58%-18.48%-19.43%-19.45%-17.14%-9.31%-10.87%-10.18%+928 bps
Loan Growth (YoY)-6.13%-10.96%-20.39%-23.40%-23.94%-24.71%-18.71%-18.83%+457 bps
Share Growth (YoY)-19.85%-20.59%-21.56%-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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.81%0.87%0.91%0.98%1.06%1.16%1.12%1.21%+23 bps
Capital
Risk-Based Capital12.65%12.68%12.90%14.10%14.84%13.99%14.30%15.53%+143 bps
Net Worth / Assets12.65%12.68%12.90%14.10%14.84%13.99%14.30%15.53%+143 bps
Liquidity & Funding
Loans / Shares113.86%106.50%101.44%102.54%98.29%89.76%94.03%94.24%-830 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps