Philadelphia, PA · Charter 24290
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 | 0.85% | -0.31% | -2.19% | -1.32% | -0.63% | -1.24% | 1.22% | 0.02% | +134 bps | |
| Return on Equity | 5.11% | -1.94% | -14.04% | -7.90% | -3.65% | -7.25% | 7.23% | 0.11% | +800 bps | |
| Net Interest Margin | 2.91% | 2.45% | 0.17% | 0.73% | 1.75% | 1.70% | 3.39% | 3.22% | +249 bps | |
| Efficiency Ratio | 66.49% | 102.76% | 301% | 188.83% | 126.75% | 142.55% | 64.37% | 95.31% | -9,352 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.66% | -12.72% | -8.56% | -9.03% | -11.62% | -11.68% | -7.76% | -11.34% | -231 bps | |
| Loan Growth (YoY) | -43.17% | -46.26% | -45.15% | -45.76% | -51.16% | -52.23% | -56.06% | -57.53% | -1,177 bps | |
| Share Growth (YoY) | -16.46% | -14.61% | -9.44% | -9.90% | -12.83% | -13.76% | -9.79% | -13.78% | -388 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.52% | 5.00% | 7.06% | 2.18% | 2.68% | 4.02% | 2.52% | 4.20% | +202 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 | 9.15% | 7.56% | 3.47% | 1.58% | 2.59% | 10.16% | 12.97% | 15.88% | +1,430 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.61% | 16.18% | 15.57% | 16.68% | 17.38% | 17.08% | 16.91% | 18.25% | +157 bps | |
| Net Worth / Assets | 16.61% | 16.18% | 15.57% | 16.68% | 17.38% | 17.08% | 16.91% | 18.25% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 5.85% | 5.03% | 4.41% | 4.13% | 3.28% | 2.78% | 2.15% | 2.03% | -209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |