Exton, PA · Charter 2099
NCUA · 26 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.53% | 0.67% | 0.53% | 0.59% | 0.50% | 0.44% | 0.46% | -7 bps | |
| Return on Equity | 6.11% | 5.48% | 6.91% | 5.54% | 6.16% | 5.31% | 4.72% | 4.99% | -55 bps | |
| Net Interest Margin | 2.29% | 2.26% | 2.42% | 2.45% | 2.48% | 2.49% | 2.61% | 2.63% | +19 bps | |
| Efficiency Ratio | 68.37% | 68.81% | 66.41% | 69.38% | 67.47% | 70.37% | 75.05% | 75.27% | +589 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.88% | 6.03% | 5.22% | 5.97% | 7.55% | 7.38% | 7.73% | 7.49% | +151 bps | |
| Loan Growth (YoY) | 3.80% | 5.65% | 6.63% | 8.35% | 9.37% | 9.14% | 9.67% | 9.19% | +83 bps | |
| Share Growth (YoY) | 8.04% | 7.79% | 7.74% | 8.91% | 8.61% | 9.74% | 9.02% | 8.33% | -58 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.34% | 0.32% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.82% | 9.65% | 9.64% | 9.57% | 9.59% | 9.42% | 9.32% | 9.31% | -26 bps | |
| Net Worth / Assets | 9.82% | 9.65% | 9.64% | 9.57% | 9.59% | 9.42% | 9.32% | 9.31% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.30% | 106.14% | 103.28% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |