PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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