Philadelphia, PA · Charter 24266
NCUA · 1 branch
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 | 3.55% | 3.01% | 3.03% | 2.69% | 1.91% | 1.26% | 2.16% | 2.14% | -55 bps | |
| Return on Equity | 17.39% | 14.62% | 14.31% | 12.20% | 8.53% | 5.70% | 9.63% | 9.58% | -261 bps | |
| Net Interest Margin | 5.13% | 4.76% | 5.28% | 4.94% | 4.74% | 4.54% | 4.71% | 4.35% | -59 bps | |
| Efficiency Ratio | 33.55% | 39.92% | 44.52% | 48.12% | 61.50% | 73.55% | 56.81% | 54.20% | +608 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.30% | 3.02% | 2.46% | 1.12% | -0.90% | -1.00% | -0.54% | 3.25% | +213 bps | |
| Loan Growth (YoY) | 33.91% | 7.69% | 10.58% | -21.98% | -30.25% | -10.82% | 0.45% | -14.68% | +730 bps | |
| Share Growth (YoY) | 0.21% | -0.03% | -0.64% | -2.22% | -3.42% | -2.88% | -2.09% | 2.87% | +508 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 8.20% | +820 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 | 6.21% | 6.81% | 7.56% | 8.26% | 8.90% | 7.63% | 7.53% | 9.68% | +142 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.39% | 20.61% | 21.17% | 22.05% | 22.42% | 22.11% | 22.40% | 22.34% | +29 bps | |
| Net Worth / Assets | 20.39% | 20.61% | 21.17% | 22.05% | 22.42% | 22.11% | 22.40% | 22.34% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.12% | 27.35% | 24.56% | 23.04% | 21.75% | 25.11% | 25.20% | 19.11% | -393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |