West Chester, PA · Charter 18234
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 | 1.51% | 1.20% | 1.33% | 1.20% | 1.28% | 0.00% | 0.80% | 1.01% | -19 bps | |
| Return on Equity | 11.95% | 9.48% | 10.29% | 8.51% | 8.62% | 0.00% | 5.58% | 6.50% | -201 bps | |
| Net Interest Margin | 5.17% | 5.28% | 5.22% | 5.35% | 5.44% | 5.14% | 4.71% | 5.10% | -25 bps | |
| Efficiency Ratio | 70.74% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.81% | 0.87% | 0.91% | 0.98% | 1.06% | 1.16% | 1.12% | 1.21% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.65% | 12.68% | 12.90% | 14.10% | 14.84% | 13.99% | 14.30% | 15.53% | +143 bps | |
| Net Worth / Assets | 12.65% | 12.68% | 12.90% | 14.10% | 14.84% | 13.99% | 14.30% | 15.53% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.86% | 106.50% | 101.44% | 102.54% | 98.29% | 89.76% | 94.03% | 94.24% | -830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |