Philadelphia, PA · Charter 20207
NCUA · 2 branches
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 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.
Capital
90
Asset Quality
24
Profitability
57
Liquidity
83
Efficiency
44
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 20207
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.21% | 0.26% | 0.25% | 0.52% | +39 bps | |
| Return on Equity | 0.53% | 0.86% | 1.10% | 1.03% | 2.08% | +155 bps | |
| Net Interest Margin | 3.76% | 3.92% | 4.03% | 4.38% | 4.46% | +70 bps | |
| Efficiency Ratio | 92.20% | 90.10% | 87.94% | 91.61% | 83.92% | -828 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.22% | -3.06% | -2.69% | -0.60% | -1.91% | +231 bps | |
| Loan Growth (YoY) | -3.60% | -5.89% | -3.38% | -5.96% | -6.08% | -248 bps | |
| Share Growth (YoY) | -5.55% | -4.10% | -3.79% | -1.02% | -3.02% | +253 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.45% | 1.42% | 1.84% | 1.92% | 2.02% | +57 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.71% | 24.07% | 24.16% | 24.42% | 24.87% | +116 bps | |
| Net Worth / Assets | 23.71% | 24.07% | 24.16% | 24.42% | 24.87% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.52% | 45.61% | 46.68% | 43.61% | 44.09% | -144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Philadelphia, PA · Charter 20207 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 2 branches
Q2 2026
Return on Assets
0.51%
Rank 24 of 51
Net Interest Margin
4.46%
Rank 9 of 51
Efficiency Ratio
83.95%
Rank 29 of 50
Equity / Assets
24.87%
Rank 5 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | -0.05% | 0.48% | 0.90% | Beats 53% | 24 / 51 | |
| Return on Equity | 2.07% | -0.58% | 4.00% | 6.90% | Beats 35% | 33 / 51 | |
| Net Interest Margin | 4.46% | 2.96% | 3.44% | 3.98% | Beats 82% | 9 / 51 | |
| Efficiency Ratio | 83.95% | 73.91% | 81.87% | 94.16% | Beats 44% | 29 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.02% | 0.19% | 0.96% | 1.83% | Beats 24% | 39 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 24.87% | 10.44% | 12.55% | 18.48% | Beats 90% | 5 / 51 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 24.87% | 10.44% | 12.55% | 18.48% | Beats 90% | 5 / 51 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.09% | 28.84% | 50.95% | 65.41% | 41st pctl | 30 / 51 | |
| Loans / Assets | 32.02% | 20.51% | 39.58% | 57.94% | 33rd pctl | 34 / 51 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||