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Stepping Stones Community

Wilmington, DE · Charter 24845

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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

2

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

98

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

Stepping Stones Community

Wilmington, DE · Charter 24845

NCUA · 1 branch

Q2 2026

$8.3MAssets
$1.7MLoans
$4.3MShares
$3.9MNet 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 8.67%, down 1,066 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 10.61% of loans (-1,297 bps YoY).
  • Capital: net worth / assets of 47.00%, up 1,474 bps from a year ago.
  • Funding: loans stand at 39.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

8.67%-1,066 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-49 bps YoY

Efficiency Ratio (YTD, annualized)

45.87%+1,961 bps YoY

Net Worth / Assets

47.00%+1,474 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets19.33%36.11%28.50%20.09%8.67%-1,066 bps
Return on Equity59.90%78.65%62.60%43.26%18.45%-4,146 bps
Net Interest Margin3.86%3.16%2.79%3.43%3.38%-49 bps
Efficiency Ratio26.26%13.91%18.02%27.87%45.87%+1,961 bps
Growth
Asset Growth (YoY)11.96%18.77%40.63%46.39%41.65%+2,969 bps
Loan Growth (YoY)36.23%16.35%44.27%69.22%91.37%+5,514 bps
Share Growth (YoY)-5.99%-13.28%-10.62%13.25%10.85%+1,684 bps
Asset Quality
Delinquent Loans / Loans23.58%20.24%4.73%12.39%10.61%-1,297 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans23.16%30.65%33.12%24.28%21.17%-200 bps
Capital
Risk-Based Capital32.26%45.92%45.52%46.45%47.00%+1,474 bps
Net Worth / Assets32.26%45.92%45.52%46.45%47.00%+1,474 bps
Liquidity & Funding
Loans / Shares22.72%22.71%28.91%32.53%39.22%+1,650 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

Stepping Stones Community

Wilmington, DE · Charter 24845 · 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

$8.3MAssets
$1.7MLoans
$4.3MShares
$3.9MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 98% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 1 of 51).
  • Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 50 of 50).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

8.66%

Rank 1 of 51

Net Interest Margin

3.39%

Rank 28 of 51

Efficiency Ratio

45.92%

Rank 2 of 50

Equity / Assets

47.00%

Rank 2 of 51

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets8.66%-0.05%0.48%0.90%Beats 98%1 / 51
Return on Equity18.43%-0.58%4.00%6.90%Beats 98%1 / 51
Net Interest Margin3.39%2.96%3.44%3.98%Beats 45%28 / 51
Efficiency Ratio45.92%73.91%81.87%94.16%Beats 98%2 / 50
Asset Quality
Nonperforming Loans / Loans10.62%0.19%0.96%1.83%Beats 2%50 / 50
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio47.00%10.44%12.55%18.48%Beats 96%2 / 51
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets47.00%10.44%12.55%18.48%Beats 96%2 / 51
Liquidity & Funding
Loans / Deposits39.23%28.84%50.95%65.41%27th pctl37 / 51
Loans / Assets20.51%20.51%39.58%57.94%24th pctl39 / 51
Brokered Deposits / Depositsn/aNot reported for this institution