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
$8.3M Assets
$1.7M Loans
$4.3M Shares
$3.9M Net 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
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 8.66% -0.05% 0.48% 0.90% Beats 98% 1 / 51 Return on Equity 18.43% -0.58% 4.00% 6.90% Beats 98% 1 / 51 Net Interest Margin 3.39% 2.96% 3.44% 3.98% Beats 45% 28 / 51 Efficiency Ratio 45.92% 73.91% 81.87% 94.16% Beats 98% 2 / 50 Asset Quality Nonperforming Loans / Loans 10.62% 0.19% 0.96% 1.83% Beats 2% 50 / 50 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 47.00% 10.44% 12.55% 18.48% Beats 96% 2 / 51 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 47.00% 10.44% 12.55% 18.48% Beats 96% 2 / 51 Liquidity & Funding Loans / Deposits 39.23% 28.84% 50.95% 65.41% 27th pctl 37 / 51 Loans / Assets 20.51% 20.51% 39.58% 57.94% 24th pctl 39 / 51 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (50 to 51 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11