Citadel
Exton, PA · Charter 2099 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 26 branches
Q2 2026
$6.9BAssets
$6.1BLoans
$5.8BShares
$639.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 87% of credit unions $1B-$10B in assets (rank 56 of 435).
- Widest gap: net interest margin trails 89% of credit unions $1B-$10B in assets (rank 386 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 8-Qtr Trend | 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 |