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Asbestos Workers Local 14

Philadelphia, PA · Charter 18446

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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

100

Q2 2024Q2 2026peer 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

Asbestos Workers Local 14

Philadelphia, PA · Charter 18446

NCUA · 1 branch

Q2 2026

$4.1MAssets
$735KLoans
$3.5MShares
$639KNet Worth

Executive Summary

  • Earnings: ROA of 2.26%, down 24 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.40%, up 73 bps from a year ago.
  • Funding: loans stand at 21.00% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.26%-24 bps YoY

Net Interest Margin (YTD, annualized)

3.68%-12 bps YoY

Efficiency Ratio (YTD, annualized)

38.62%+449 bps YoY

Net Worth / Assets

15.40%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.39%0.87%2.55%2.50%2.53%1.01%2.19%2.26%-24 bps
Return on Equity17.02%6.54%18.26%17.02%16.19%6.92%14.26%14.65%-237 bps
Net Interest Margin3.61%2.68%3.61%3.79%3.87%2.82%3.59%3.68%-12 bps
Efficiency Ratio33.78%67.74%29.38%34.13%34.60%64.07%38.89%38.62%+449 bps
Growth
Asset Growth (YoY)-7.97%-6.93%-4.76%-3.12%-4.41%-2.74%-3.39%1.05%+417 bps
Loan Growth (YoY)21.37%23.58%11.79%6.92%15.36%4.60%13.53%14.64%+773 bps
Share Growth (YoY)-10.11%-8.71%-6.28%-4.60%-5.98%-4.22%-4.83%0.30%+490 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.92%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans10.71%10.39%11.34%11.05%9.42%10.01%10.03%9.68%-136 bps
Capital
Risk-Based Capital14.06%13.28%13.97%14.67%15.63%14.67%15.37%15.40%+73 bps
Net Worth / Assets14.06%13.28%13.97%14.67%15.63%14.67%15.37%15.40%+73 bps
Liquidity & Funding
Loans / Shares18.16%19.00%17.63%18.38%22.28%20.75%21.04%21.00%+263 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

Asbestos Workers Local 14

Philadelphia, PA · Charter 18446 · 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

$4.1MAssets
$735KLoans
$3.5MShares
$639KNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 1 of 50).
  • Widest gap: net interest margin trails 43% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 22 of 51).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

2.27%

Rank 3 of 51

Net Interest Margin

3.67%

Rank 22 of 51

Efficiency Ratio

38.16%

Rank 1 of 50

Equity / Assets

15.41%

Rank 21 of 51

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.27%-0.05%0.48%0.90%Beats 94%3 / 51
Return on Equity14.71%-0.58%4.00%6.90%Beats 94%3 / 51
Net Interest Margin3.67%2.96%3.44%3.98%Beats 57%22 / 51
Efficiency Ratio38.16%73.91%81.87%94.16%Beats 100%1 / 50
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 Ratio15.41%10.44%12.55%18.48%Beats 59%21 / 51
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.41%10.44%12.55%18.48%Beats 59%21 / 51
Liquidity & Funding
Loans / Deposits21.00%28.84%50.95%65.41%16th pctl43 / 51
Loans / Assets17.73%20.51%39.58%57.94%18th pctl42 / 51
Brokered Deposits / Depositsn/aNot reported for this institution