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Blue Chip

Harrisburg, PA · Charter 24385

NCUA · 2 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, 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 PA (n=75). 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

55

Q2 2024Q2 2025peer median (50)

Asset Quality

80

Q2 2024Q2 2025peer median (50)

Profitability

44

Q2 2024Q2 2025peer median (50)

Liquidity

59

Q2 2024Q2 2025peer median

Efficiency

28

Q2 2024Q2 2025peer 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

Blue Chip

Harrisburg, PA · Charter 24385

NCUA · 2 branches

Q2 2025

$44.1MAssets
$24.4MLoans
$39.3MShares
$5.6MNet 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 0.37%, down 6 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.05% of loans (-52 bps YoY).
  • Capital: net worth / assets of 12.80%, up 67 bps from a year ago.
  • Funding: loans stand at 61.97% of shares as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.37%-6 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+47 bps YoY

Efficiency Ratio (YTD, annualized)

83.48%+160 bps YoY

Net Worth / Assets

12.80%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.43%0.56%0.42%0.59%0.37%-6 bps
Return on Equity3.57%4.52%3.51%4.71%2.93%-64 bps
Net Interest Margin4.24%4.34%4.23%4.46%4.71%+47 bps
Efficiency Ratio81.88%81.62%82.77%79.84%83.48%+160 bps
Growth
Asset Growth (YoY)-6.02%-5.54%4.75%7.41%4.85%+1,087 bps
Loan Growth (YoY)15.16%13.70%18.49%19.45%14.56%-60 bps
Share Growth (YoY)-3.97%-3.50%4.35%8.00%3.76%+773 bps
Asset Quality
Delinquent Loans / Loans0.58%0.88%0.80%0.16%0.05%-52 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 Capital12.14%12.39%11.84%12.44%12.80%+67 bps
Net Worth / Assets12.14%12.39%11.84%12.44%12.80%+67 bps
Liquidity & Funding
Loans / Shares56.13%60.10%63.19%58.75%61.97%+584 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

Blue Chip

Harrisburg, PA · Charter 24385 · Peer group: credit unions under $1B in assets in PA (n=75)

NCUA · 2 branches

Q2 2025

$44.1MAssets
$24.4MLoans
$39.3MShares
$5.6MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets in PA (rank 3 of 75).
  • Widest gap: return on equity trails 83% of credit unions under $1B in assets in PA (rank 62 of 75).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.38%

Rank 61 of 75

Net Interest Margin

4.71%

Rank 3 of 75

Efficiency Ratio

83.41%

Rank 55 of 75

Equity / Assets

12.80%

Rank 34 of 75

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.38%0.48%0.82%1.34%Beats 19%61 / 75
Return on Equity2.94%3.49%6.58%10.46%Beats 17%62 / 75
Net Interest Margin4.71%3.01%3.47%4.01%Beats 96%3 / 75
Efficiency Ratio83.41%64.26%74.94%83.91%Beats 28%55 / 75
Asset Quality
Nonperforming Loans / Loans0.05%0.17%0.52%1.26%Beats 80%16 / 75
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.80%10.33%12.34%16.35%Beats 55%34 / 75
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.80%10.33%12.34%16.35%Beats 55%34 / 75
Liquidity & Funding
Loans / Deposits61.97%36.92%52.49%68.94%64th pctl27 / 75
Loans / Assets55.23%31.46%43.71%58.97%65th pctl26 / 75
Brokered Deposits / Depositsn/aNot reported for this institution