Philadelphia, PA · Charter 24853
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
88
Asset Quality
100
Profitability
16
Liquidity
11
Efficiency
6
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.
Philadelphia, PA · Charter 24853
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.66% | 2.33% | 2.30% | 2.04% | 1.41% | 2.27% | -1.11% | -0.97% | -300 bps | |
| Return on Equity | 11.41% | 10.01% | 10.23% | 8.81% | 5.68% | 8.87% | -4.49% | -4.18% | -1,299 bps | |
| Net Interest Margin | 5.29% | 3.92% | 4.13% | 4.32% | 4.66% | 3.26% | 3.48% | 3.42% | -91 bps | |
| Efficiency Ratio | 50.32% | 66.24% | 44.77% | 53.23% | 70.04% | 63.05% | 130.38% | 126.17% | +7,294 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.35% | -1.87% | 7.21% | 10.34% | 1.75% | 1.97% | -3.71% | 2.69% | -765 bps | |
| Loan Growth (YoY) | 28.12% | 39.84% | 46.68% | 28.06% | 43.48% | 23.45% | 34.45% | 28.23% | +16 bps | |
| Share Growth (YoY) | -9.54% | -5.54% | 5.68% | 9.91% | -0.37% | -0.80% | -6.20% | 2.63% | -728 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 19.93% | 21.05% | 27.64% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 20.15% | 19.99% | 16.89% | 19.83% | 19.49% | 21.33% | 16.23% | 2.72% | -1,712 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.33% | 23.29% | 22.47% | 23.12% | 24.86% | 25.61% | 24.67% | 23.14% | +1 bps | |
| Net Worth / Assets | 23.33% | 23.29% | 22.47% | 23.12% | 24.86% | 25.61% | 24.67% | 23.14% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 8.94% | 9.67% | 11.84% | 11.24% | 12.87% | 12.03% | 16.97% | 14.04% | +280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Philadelphia, PA · Charter 24853 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.95%
Rank 49 of 51
Net Interest Margin
3.32%
Rank 30 of 51
Efficiency Ratio
133.33%
Rank 48 of 50
Equity / Assets
23.13%
Rank 6 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.95% | -0.05% | 0.48% | 0.90% | Beats 4% | 49 / 51 | ||
| Return on Equity | -4.10% | -0.58% | 4.00% | 6.90% | Beats 2% | 50 / 51 | ||
| Net Interest Margin | 3.32% | 2.96% | 3.44% | 3.98% | Beats 41% | 30 / 51 | ||
| Efficiency Ratio | 133.33% | 73.91% | 81.87% | 94.16% | Beats 6% | 48 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.96% | 1.83% | Beats 100% | 10 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.13% | 10.44% | 12.55% | 18.48% | Beats 88% | 6 / 51 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.13% | 10.44% | 12.55% | 18.48% | Beats 88% | 6 / 51 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 14.09% | 28.84% | 50.95% | 65.41% | 12th pctl | 45 / 51 | ||
| Loans / Assets | 10.79% | 20.51% | 39.58% | 57.94% | 12th pctl | 45 / 51 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||