PackageTrendsPeer
Letter portraitLegal landscape

Healthcare Employees

Princeton, NJ · Charter 24150

NCUA · 2 branches

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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

92

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

84

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

Healthcare Employees

Princeton, NJ · Charter 24150

NCUA · 2 branches

Q2 2026

$137.2MAssets
$83.9MLoans
$119.0MShares
$18.6MNet 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 1.71%, up 34 bps year over year; NIM at 5.59%.
  • Asset quality: problem loans at 0.62% of loans (+34 bps YoY).
  • Capital: net worth / assets of 13.58%, up 136 bps from a year ago.
  • Funding: loans stand at 70.52% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.71%+34 bps YoY

Net Interest Margin (YTD, annualized)

5.59%+126 bps YoY

Efficiency Ratio (YTD, annualized)

65.55%-360 bps YoY

Net Worth / Assets

13.58%+136 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.75%1.74%2.13%1.71%+34 bps
Return on Equity11.17%13.38%13.02%15.81%12.58%+141 bps
Net Interest Margin4.33%4.64%4.67%6.33%5.59%+126 bps
Efficiency Ratio69.16%64.74%64.84%59.74%65.55%-360 bps
Growth
Asset Growth (YoY)-0.40%-1.57%0.40%2.24%4.11%+451 bps
Loan Growth (YoY)9.19%12.43%6.13%10.01%6.89%-230 bps
Share Growth (YoY)-3.01%-3.49%-1.62%1.40%3.45%+647 bps
Asset Quality
Delinquent Loans / Loans0.28%0.41%0.53%0.30%0.62%+34 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 Capital12.22%13.09%13.38%13.50%13.58%+136 bps
Net Worth / Assets12.22%13.09%13.38%13.50%13.58%+136 bps
Liquidity & Funding
Loans / Shares68.26%70.38%68.68%70.58%70.52%+227 bps
Liquid Assets / Assets0.00%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

Healthcare Employees

Princeton, NJ · Charter 24150 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)

NCUA · 2 branches

Q2 2026

$137.2MAssets
$83.9MLoans
$119.0MShares
$18.6MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 3 of 51).
  • Widest gap: equity / assets trails 47% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 24 of 51).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.71%

Rank 5 of 51

Net Interest Margin

5.59%

Rank 3 of 51

Efficiency Ratio

65.53%

Rank 9 of 50

Equity / Assets

13.58%

Rank 24 of 51

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.71%-0.05%0.48%0.90%Beats 90%5 / 51
Return on Equity12.58%-0.58%4.00%6.90%Beats 92%4 / 51
Net Interest Margin5.59%2.96%3.44%3.98%Beats 94%3 / 51
Efficiency Ratio65.53%73.91%81.87%94.16%Beats 84%9 / 50
Asset Quality
Nonperforming Loans / Loans0.62%0.19%0.96%1.83%Beats 68%17 / 50
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.58%10.44%12.55%18.48%Beats 53%24 / 51
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.58%10.44%12.55%18.48%Beats 53%24 / 51
Liquidity & Funding
Loans / Deposits70.52%28.84%50.95%65.41%78th pctl11 / 51
Loans / Assets61.18%20.51%39.58%57.94%80th pctl10 / 51
Brokered Deposits / Depositsn/aNot reported for this institution