PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Citadel

Exton, PA · Charter 2099

NCUA · 26 branches

Q2 2026

$6.9BAssets
$6.1BLoans
$5.8BShares
$639.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.46%, down 7 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.33% of loans (+2 bps YoY).
  • Capital: net worth / assets of 9.31%, down 26 bps from a year ago.
  • Funding: loans stand at 104.83% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.46%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+19 bps YoY

Efficiency Ratio (YTD, annualized)

75.27%+589 bps YoY

Net Worth / Assets

9.31%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.59%0.50%0.44%0.46%-7 bps
Return on Equity5.54%6.16%5.31%4.72%4.99%-55 bps
Net Interest Margin2.45%2.48%2.49%2.61%2.63%+19 bps
Efficiency Ratio69.38%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 / Loans0.31%0.31%0.33%0.30%0.33%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.57%9.59%9.42%9.32%9.31%-26 bps
Net Worth / Assets9.57%9.59%9.42%9.32%9.31%-26 bps
Liquidity & Funding
Loans / Shares104.01%107.04%105.56%103.90%104.83%+82 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps