Philadelphia, PA · Charter 22007
NCUA · 1 branch
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
61
Asset Quality
100
Profitability
2
Liquidity
0
Efficiency
2
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 22007
NCUA · 1 branch
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 | 1.08% | 1.05% | 1.19% | -2.76% | -1.99% | -307 bps | |
| Return on Equity | 7.42% | 7.36% | 7.39% | -18.26% | -12.59% | -2,001 bps | |
| Net Interest Margin | 3.32% | 3.21% | 3.55% | 2.62% | 2.61% | -71 bps | |
| Efficiency Ratio | 68.51% | 68.55% | 67.45% | 205% | 172.48% | +10,397 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.01% | 1.14% | -3.34% | -6.69% | -9.51% | -650 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | n/a | n/a | n/a | n/a | |
| Share Growth (YoY) | -4.87% | 0.20% | -5.24% | -7.89% | -10.77% | -590 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 14.62% | 14.19% | 16.04% | 15.14% | 15.80% | +118 bps | |
| Net Worth / Assets | 14.62% | 14.19% | 16.04% | 15.14% | 15.80% | +118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Philadelphia, PA · Charter 22007 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 1 branch
Q2 2026
Return on Assets
-2.22%
Rank 51 of 51
Net Interest Margin
2.22%
Rank 48 of 51
Efficiency Ratio
200%
Rank 50 of 50
Equity / Assets
15.56%
Rank 20 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.22% | -0.05% | 0.48% | 0.90% | Beats 0% | 51 / 51 | |
| Return on Equity | -14.29% | -0.58% | 4.00% | 6.90% | Beats 0% | 51 / 51 | |
| Net Interest Margin | 2.22% | 2.96% | 3.44% | 3.98% | Beats 6% | 48 / 51 | |
| Efficiency Ratio | 200% | 73.91% | 81.87% | 94.16% | Beats 2% | 50 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | Not reported for this institution | |||||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.56% | 10.44% | 12.55% | 18.48% | Beats 61% | 20 / 51 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.56% | 10.44% | 12.55% | 18.48% | Beats 61% | 20 / 51 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 28.84% | 50.95% | 65.41% | 0th pctl | 51 / 51 | |
| Loans / Assets | 0.00% | 20.51% | 39.58% | 57.94% | 0th pctl | 51 / 51 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||