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Wayland Temple Baptist

Philadelphia, PA · Charter 22007

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

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.

Peer group

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.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2024peer median (50)

Profitability

2

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

2

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wayland Temple Baptist

Philadelphia, PA · Charter 22007

NCUA · 1 branch

Q2 2026

$180KAssets
$0KLoans
$151KShares
$28KNet Worth

Executive Summary

  • Earnings: ROA of -1.99%, down 307 bps year over year; NIM at 2.61%.
  • Capital: net worth / assets of 15.80%, up 118 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-1.99%-307 bps YoY

Net Interest Margin (YTD, annualized)

2.61%-71 bps YoY

Efficiency Ratio (YTD, annualized)

172.48%+10,397 bps YoY

Net Worth / Assets

15.80%+118 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.68%1.42%1.08%1.05%1.19%-2.76%-1.99%-307 bps
Return on Equity8.56%11.73%10.11%7.42%7.36%7.39%-18.26%-12.59%-2,001 bps
Net Interest Margin3.75%4.46%3.34%3.32%3.21%3.55%2.62%2.61%-71 bps
Efficiency Ratio69.48%62.25%59.44%68.51%68.55%67.45%205%172.48%+10,397 bps
Growth
Asset Growth (YoY)0.26%2.90%2.54%-3.01%1.14%-3.34%-6.69%-9.51%-650 bps
Loan Growth (YoY)-67.63%-100.00%-100.00%-100.00%-100.00%n/an/an/an/a
Share Growth (YoY)-1.74%1.44%1.07%-4.87%0.20%-5.24%-7.89%-10.77%-590 bps
Asset Quality
Delinquent Loans / Loans0.00%n/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans307%n/an/an/an/an/an/an/an/a
Capital
Risk-Based Capital13.39%14.36%14.03%14.62%14.19%16.04%15.14%15.80%+118 bps
Net Worth / Assets13.39%14.36%14.03%14.62%14.19%16.04%15.14%15.80%+118 bps
Liquidity & Funding
Loans / Shares0.23%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wayland Temple Baptist

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

$180KAssets
$0KLoans
$151KShares
$28KNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 61% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 20 of 51).
  • Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 51 of 51).
  • Overall: at or above the peer median on 2 of 6 directional measures.

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer 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 Margin2.22%2.96%3.44%3.98%Beats 6%48 / 51
Efficiency Ratio200%73.91%81.87%94.16%Beats 2%50 / 50
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.56%10.44%12.55%18.48%Beats 61%20 / 51
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.56%10.44%12.55%18.48%Beats 61%20 / 51
Liquidity & Funding
Loans / Deposits0.00%28.84%50.95%65.41%0th pctl51 / 51
Loans / Assets0.00%20.51%39.58%57.94%0th pctl51 / 51
Brokered Deposits / Depositsn/aNot reported for this institution