West Chester, PA · Charter 3738
NCUA · 3 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=52 to 53). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
73
Profitability
11
Liquidity
0
Efficiency
17
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.
West Chester, PA · Charter 3738
NCUA · 3 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.02% | -0.02% | -0.08% | -0.24% | -0.25% | 0.03% | -0.12% | -4 bps | |
| Return on Equity | 0.08% | 0.24% | -0.17% | -0.78% | -2.50% | -2.52% | 0.24% | -1.17% | -40 bps | |
| Net Interest Margin | 1.84% | 1.93% | 1.90% | 1.83% | 1.72% | 1.81% | 1.87% | 1.86% | +2 bps | |
| Efficiency Ratio | 94.48% | 93.86% | 96.70% | 99.48% | 109.18% | 109.23% | 98.62% | 103.36% | +388 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.14% | -5.18% | -3.17% | -1.68% | -2.25% | 0.59% | -0.86% | -3.01% | -133 bps | |
| Loan Growth (YoY) | -3.29% | -5.35% | -6.84% | -7.39% | -6.35% | -6.91% | -9.75% | -9.96% | -257 bps | |
| Share Growth (YoY) | -2.35% | -4.50% | -4.36% | -1.73% | -2.68% | 0.48% | -1.11% | -3.87% | -214 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.11% | 0.33% | 0.27% | 0.12% | 0.11% | 0.36% | 0.52% | +24 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.66% | 10.18% | 10.37% | 10.12% | 9.75% | 9.91% | 10.41% | 10.31% | +19 bps | |
| Net Worth / Assets | 9.66% | 10.18% | 10.37% | 10.12% | 9.75% | 9.91% | 10.41% | 10.31% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.49% | 96.49% | 97.35% | 92.96% | 89.00% | 89.39% | 88.85% | 87.07% | -589 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Chester, PA · Charter 3738 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=52-53)
NCUA · 3 branches
Q4 2025
Return on Assets
-0.12%
Rank 45 of 53
Net Interest Margin
1.86%
Rank 51 of 53
Efficiency Ratio
103.35%
Rank 45 of 53
Equity / Assets
10.31%
Rank 39 of 53
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.12% | 0.16% | 0.61% | 1.02% | Beats 15% | 45 / 53 | ||
| Return on Equity | -1.17% | 1.09% | 4.92% | 7.90% | Beats 15% | 45 / 53 | ||
| Net Interest Margin | 1.86% | 2.73% | 3.31% | 3.98% | Beats 4% | 51 / 53 | ||
| Efficiency Ratio | 103.35% | 71.43% | 81.80% | 89.15% | Beats 17% | 45 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.52% | 0.35% | 0.95% | 1.63% | Beats 73% | 15 / 52 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.31% | 10.27% | 12.36% | 18.01% | Beats 26% | 39 / 53 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.31% | 10.27% | 12.36% | 18.01% | Beats 26% | 39 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.07% | 28.91% | 52.47% | 63.60% | 89th pctl | 6 / 53 | ||
| Loans / Assets | 73.72% | 21.63% | 43.86% | 57.00% | 92nd pctl | 4 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||