Upper Darby, PA · Charter 3819
NCUA · 1 branch
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 under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50 to 51). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
60
Profitability
72
Liquidity
78
Efficiency
96
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.
Upper Darby, PA · Charter 3819
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.06% | 2.02% | 1.96% | 2.02% | 2.11% | 2.09% | 1.94% | 2.00% | -2 bps | |
| Return on Equity | 8.86% | 8.52% | 8.35% | 8.42% | 8.58% | 8.35% | 7.77% | 7.92% | -50 bps | |
| Net Interest Margin | 3.48% | 3.44% | 3.48% | 3.55% | 3.62% | 3.59% | 3.37% | 3.44% | -11 bps | |
| Efficiency Ratio | 48.03% | 48.72% | 50.07% | 49.23% | 48.03% | 48.35% | 49.84% | 48.67% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.37% | 5.89% | 6.35% | 4.59% | 3.24% | 3.26% | 2.65% | 3.33% | -126 bps | |
| Loan Growth (YoY) | 1.57% | 0.20% | -0.47% | -0.31% | 1.44% | 1.54% | 3.01% | 2.00% | +231 bps | |
| Share Growth (YoY) | 9.39% | 4.84% | 5.44% | 3.12% | 1.43% | 1.42% | 0.71% | 1.61% | -150 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 1.47% | 1.04% | 0.96% | 0.50% | 1.03% | 0.99% | 0.69% | -27 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 | 23.25% | 23.67% | 23.47% | 24.03% | 24.57% | 25.01% | 24.91% | 25.31% | +128 bps | |
| Net Worth / Assets | 23.25% | 23.67% | 23.47% | 24.03% | 24.57% | 25.01% | 24.91% | 25.31% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.23% | 42.04% | 40.64% | 41.75% | 42.23% | 42.09% | 41.56% | 41.91% | +16 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Upper Darby, PA · Charter 3819 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 1 branch
Q2 2026
Return on Assets
2.00%
Rank 4 of 51
Net Interest Margin
3.44%
Rank 26 of 51
Efficiency Ratio
48.68%
Rank 3 of 50
Equity / Assets
25.31%
Rank 4 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.00% | -0.05% | 0.48% | 0.90% | Beats 92% | 4 / 51 | ||
| Return on Equity | 7.91% | -0.58% | 4.00% | 6.90% | Beats 76% | 12 / 51 | ||
| Net Interest Margin | 3.44% | 2.96% | 3.44% | 3.98% | Beats 49% | 26 / 51 | ||
| Efficiency Ratio | 48.68% | 73.91% | 81.87% | 94.16% | Beats 96% | 3 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.69% | 0.19% | 0.96% | 1.83% | Beats 60% | 21 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.31% | 10.44% | 12.55% | 18.48% | Beats 92% | 4 / 51 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.31% | 10.44% | 12.55% | 18.48% | Beats 92% | 4 / 51 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.91% | 28.84% | 50.95% | 65.41% | 33rd pctl | 34 / 51 | ||
| Loans / Assets | 31.28% | 20.51% | 39.58% | 57.94% | 31st pctl | 35 / 51 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||