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University of Pennsylvania Students

Philadelphia, PA · Charter 24290

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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

18

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

University of Pennsylvania Students

Philadelphia, PA · Charter 24290

NCUA · 1 branch

Q2 2026

$4.4MAssets
$72KLoans
$3.6MShares
$808KNet 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 0.02%, up 134 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 4.20% of loans (+202 bps YoY).
  • Capital: net worth / assets of 18.25%, up 157 bps from a year ago.
  • Funding: loans stand at 2.03% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.02%+134 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+249 bps YoY

Efficiency Ratio (YTD, annualized)

95.31%-9,352 bps YoY

Net Worth / Assets

18.25%+157 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.32%-0.63%-1.24%1.22%0.02%+134 bps
Return on Equity-7.90%-3.65%-7.25%7.23%0.11%+800 bps
Net Interest Margin0.73%1.75%1.70%3.39%3.22%+249 bps
Efficiency Ratio188.83%126.75%142.55%64.37%95.31%-9,352 bps
Growth
Asset Growth (YoY)-9.03%-11.62%-11.68%-7.76%-11.34%-231 bps
Loan Growth (YoY)-45.76%-51.16%-52.23%-56.06%-57.53%-1,177 bps
Share Growth (YoY)-9.90%-12.83%-13.76%-9.79%-13.78%-388 bps
Asset Quality
Delinquent Loans / Loans2.18%2.68%4.02%2.52%4.20%+202 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.58%2.59%10.16%12.97%15.88%+1,430 bps
Capital
Risk-Based Capital16.68%17.38%17.08%16.91%18.25%+157 bps
Net Worth / Assets16.68%17.38%17.08%16.91%18.25%+157 bps
Liquidity & Funding
Loans / Shares4.13%3.28%2.78%2.15%2.03%-209 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

University of Pennsylvania Students

Philadelphia, PA · Charter 24290 · 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

$4.4MAssets
$72KLoans
$3.6MShares
$808KNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 73% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 14 of 51).
  • Widest gap: nonperforming loans / loans trails 92% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 47 of 50).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.00%

Rank 38 of 51

Net Interest Margin

3.21%

Rank 32 of 51

Efficiency Ratio

96.55%

Rank 42 of 50

Equity / Assets

18.26%

Rank 14 of 51

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.00%-0.05%0.48%0.90%Beats 22%38 / 51
Return on Equity0.00%-0.58%4.00%6.90%Beats 22%38 / 51
Net Interest Margin3.21%2.96%3.44%3.98%Beats 37%32 / 51
Efficiency Ratio96.55%73.91%81.87%94.16%Beats 18%42 / 50
Asset Quality
Nonperforming Loans / Loans4.17%0.19%0.96%1.83%Beats 8%47 / 50
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.26%10.44%12.55%18.48%Beats 73%14 / 51
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.26%10.44%12.55%18.48%Beats 73%14 / 51
Liquidity & Funding
Loans / Deposits2.02%28.84%50.95%65.41%2nd pctl50 / 51
Loans / Assets1.63%20.51%39.58%57.94%2nd pctl50 / 51
Brokered Deposits / Depositsn/aNot reported for this institution