Exton, PA · Charter 2099
NCUA · 26 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
87
Profitability
18
Liquidity
0
Efficiency
34
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.
Exton, PA · Charter 2099
NCUA · 26 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 | 0.53% | 0.59% | 0.50% | 0.44% | 0.46% | -7 bps | |
| Return on Equity | 5.54% | 6.16% | 5.31% | 4.72% | 4.99% | -55 bps | |
| Net Interest Margin | 2.45% | 2.48% | 2.49% | 2.61% | 2.63% | +19 bps | |
| Efficiency Ratio | 69.38% | 67.47% | 70.37% | 75.05% | 75.27% | +589 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.97% | 7.55% | 7.38% | 7.73% | 7.49% | +151 bps | |
| Loan Growth (YoY) | 8.35% | 9.37% | 9.14% | 9.67% | 9.19% | +83 bps | |
| Share Growth (YoY) | 8.91% | 8.61% | 9.74% | 9.02% | 8.33% | -58 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.31% | 0.33% | 0.30% | 0.33% | +2 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 | 9.57% | 9.59% | 9.42% | 9.32% | 9.31% | -26 bps | |
| Net Worth / Assets | 9.57% | 9.59% | 9.42% | 9.32% | 9.31% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.01% | 107.04% | 105.56% | 103.90% | 104.83% | +82 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Exton, PA · Charter 2099 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 26 branches
Q2 2026
Return on Assets
0.46%
Rank 352 of 435
Net Interest Margin
2.63%
Rank 386 of 435
Efficiency Ratio
75.27%
Rank 287 of 435
Equity / Assets
9.31%
Rank 368 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.55% | 0.81% | 1.14% | Beats 19% | 352 / 435 | |
| Return on Equity | 4.99% | 5.12% | 7.41% | 9.70% | Beats 24% | 331 / 435 | |
| Net Interest Margin | 2.63% | 3.01% | 3.39% | 3.75% | Beats 11% | 386 / 435 | |
| Efficiency Ratio | 75.27% | 65.25% | 71.39% | 77.86% | Beats 34% | 287 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.45% | 0.69% | 1.05% | Beats 87% | 56 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.31% | 9.81% | 10.84% | 12.63% | Beats 15% | 368 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.31% | 9.81% | 10.84% | 12.63% | Beats 15% | 368 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.83% | 78.33% | 88.38% | 95.61% | 94th pctl | 27 / 435 | |
| Loans / Assets | 88.84% | 67.69% | 74.58% | 80.80% | 97th pctl | 11 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||