PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Benchmark

West Chester, PA · Charter 3738

NCUA · 3 branches

Q4 2025

$296.4MAssets
$218.5MLoans
$251.0MShares
$30.6MNet 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 -0.12%, down 4 bps year over year; NIM at 1.86%.
  • Asset quality: problem loans at 0.52% of loans (+24 bps YoY).
  • Capital: net worth / assets of 10.31%, up 19 bps from a year ago.
  • Funding: loans stand at 87.07% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.12%-4 bps YoY

Net Interest Margin (YTD, annualized)

1.86%+2 bps YoY

Efficiency Ratio (YTD, annualized)

103.36%+388 bps YoY

Net Worth / Assets

10.31%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets-0.08%-0.24%-0.25%0.03%-0.12%-4 bps
Return on Equity-0.78%-2.50%-2.52%0.24%-1.17%-40 bps
Net Interest Margin1.83%1.72%1.81%1.87%1.86%+2 bps
Efficiency Ratio99.48%109.18%109.23%98.62%103.36%+388 bps
Growth
Asset Growth (YoY)-1.68%-2.25%0.59%-0.86%-3.01%-133 bps
Loan Growth (YoY)-7.39%-6.35%-6.91%-9.75%-9.96%-257 bps
Share Growth (YoY)-1.73%-2.68%0.48%-1.11%-3.87%-214 bps
Asset Quality
Delinquent Loans / Loans0.27%0.12%0.11%0.36%0.52%+24 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 Capital10.12%9.75%9.91%10.41%10.31%+19 bps
Net Worth / Assets10.12%9.75%9.91%10.41%10.31%+19 bps
Liquidity & Funding
Loans / Shares92.96%89.00%89.39%88.85%87.07%-589 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps