Philadelphia, PA · Charter 2551
NCUA · 18 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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
96
Asset Quality
100
Profitability
56
Liquidity
0
Efficiency
100
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 2551
NCUA · 18 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.95% | 1.97% | 1.85% | 1.97% | 1.95% | +1 bps | |
| Return on Equity | 11.11% | 10.96% | 10.27% | 10.79% | 10.53% | -57 bps | |
| Net Interest Margin | 2.64% | 2.67% | 2.66% | 2.71% | 2.69% | +5 bps | |
| Efficiency Ratio | 40.56% | 40.59% | 40.78% | 42.05% | 41.99% | +142 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.22% | 5.51% | 5.33% | 4.28% | 4.67% | -155 bps | |
| Loan Growth (YoY) | -4.44% | -5.34% | -4.53% | -2.88% | -1.92% | +252 bps | |
| Share Growth (YoY) | 5.58% | 4.25% | 4.16% | 2.89% | 3.40% | -218 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.19% | 0.24% | 0.16% | 0.24% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.54% | 18.00% | 18.00% | 18.21% | 18.56% | +102 bps | |
| Net Worth / Assets | 17.54% | 18.00% | 18.00% | 18.21% | 18.56% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.68% | 71.77% | 70.49% | 69.35% | 68.94% | -374 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Philadelphia, PA · Charter 2551 · Peer group: credit unions any (n=25)
NCUA · 18 branches
Q2 2026
Return on Assets
1.95%
Rank 2 of 25
Net Interest Margin
2.69%
Rank 22 of 25
Efficiency Ratio
41.99%
Rank 1 of 25
Equity / Assets
18.56%
Rank 1 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.95% | 0.54% | 0.87% | 1.36% | Beats 92% | 2 / 25 | |
| Return on Equity | 10.53% | 5.49% | 9.20% | 10.99% | Beats 64% | 9 / 25 | |
| Net Interest Margin | 2.69% | 2.86% | 3.13% | 3.50% | Beats 12% | 22 / 25 | |
| Efficiency Ratio | 41.99% | 54.62% | 61.07% | 70.28% | Beats 100% | 1 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.64% | 0.92% | 1.30% | Beats 100% | 1 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.56% | 9.55% | 10.72% | 11.84% | Beats 96% | 1 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.56% | 9.55% | 10.72% | 11.84% | Beats 96% | 1 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.94% | 81.23% | 88.75% | 93.33% | 4th pctl | 24 / 25 | |
| Loans / Assets | 55.75% | 68.82% | 78.26% | 79.51% | 4th pctl | 24 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||