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Service Station Dealers

Phila, PA · Charter 24733

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

98

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

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

Service Station Dealers

Phila, PA · Charter 24733

NCUA · 1 branch

Q2 2026

$129KAssets
$21KLoans
$21KShares
$109KNet 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 -1.68%, down 166 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 84.06%, up 398 bps from a year ago.
  • Funding: loans stand at 100.33% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.68%-166 bps YoY

Net Interest Margin (YTD, annualized)

3.59%-120 bps YoY

Efficiency Ratio (YTD, annualized)

146.84%+4,634 bps YoY

Net Worth / Assets

84.06%+398 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.02%-3.10%-2.73%-1.67%-1.68%-166 bps
Return on Equity-0.03%-3.61%-3.25%-1.97%-2.00%-197 bps
Net Interest Margin4.80%5.06%4.97%3.63%3.59%-120 bps
Efficiency Ratio100.50%161.26%154.86%145.90%146.84%+4,634 bps
Growth
Asset Growth (YoY)-13.93%-20.70%-9.60%-9.38%-8.64%+530 bps
Loan Growth (YoY)-41.88%-44.20%-45.73%-39.93%-40.42%+146 bps
Share Growth (YoY)-44.66%-62.91%-32.85%-31.63%-26.91%+1,776 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans18.08%20.61%23.35%27.26%30.35%+1,227 bps
Capital
Risk-Based Capital80.08%85.82%83.86%84.73%84.06%+398 bps
Net Worth / Assets80.08%85.82%83.86%84.73%84.06%+398 bps
Liquidity & Funding
Loans / Shares123.08%166.97%127.23%116.92%100.33%-2,275 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

Service Station Dealers

Phila, PA · Charter 24733 · 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

$129KAssets
$21KLoans
$21KShares
$109KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 10 of 50).
  • Widest gap: return on assets trails 98% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 50 of 51).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-1.55%

Rank 50 of 51

Net Interest Margin

3.10%

Rank 36 of 51

Efficiency Ratio

150.00%

Rank 49 of 50

Equity / Assets

84.50%

Rank 1 of 51

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.55%-0.05%0.48%0.90%Beats 2%50 / 51
Return on Equity-1.83%-0.58%4.00%6.90%Beats 14%44 / 51
Net Interest Margin3.10%2.96%3.44%3.98%Beats 29%36 / 51
Efficiency Ratio150.00%73.91%81.87%94.16%Beats 4%49 / 50
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.96%1.83%Beats 100%10 / 50
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio84.50%10.44%12.55%18.48%Beats 98%1 / 51
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets84.50%10.44%12.55%18.48%Beats 98%1 / 51
Liquidity & Funding
Loans / Deposits100.00%28.84%50.95%65.41%96th pctl2 / 51
Loans / Assets16.28%20.51%39.58%57.94%16th pctl43 / 51
Brokered Deposits / Depositsn/aNot reported for this institution