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 | |