PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Police & Fire

Philadelphia, PA · Charter 2551

NCUA · 18 branches

Q2 2026

$10.2BAssets
$5.7BLoans
$8.3BShares
$1.9BNet 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 1.95%, up 1 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.24% of loans (+4 bps YoY).
  • Capital: net worth / assets of 18.56%, up 102 bps from a year ago.
  • Funding: loans stand at 68.94% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.95%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.69%+5 bps YoY

Efficiency Ratio (YTD, annualized)

41.99%+142 bps YoY

Net Worth / Assets

18.56%+102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%1.97%1.85%1.97%1.95%+1 bps
Return on Equity11.11%10.96%10.27%10.79%10.53%-57 bps
Net Interest Margin2.64%2.67%2.66%2.71%2.69%+5 bps
Efficiency Ratio40.56%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 / Loans0.20%0.19%0.24%0.16%0.24%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.54%18.00%18.00%18.21%18.56%+102 bps
Net Worth / Assets17.54%18.00%18.00%18.21%18.56%+102 bps
Liquidity & Funding
Loans / Shares72.68%71.77%70.49%69.35%68.94%-374 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps