Claymont, DE · Charter 464
NCUA · 3 branches
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
25
Asset Quality
10
Profitability
56
Liquidity
71
Efficiency
46
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.
Claymont, DE · Charter 464
NCUA · 3 branches
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 | 0.17% | 0.22% | 0.15% | 0.22% | 0.25% | 0.32% | 0.59% | 0.35% | +13 bps | |
| Return on Equity | 1.64% | 2.05% | 1.42% | 2.12% | 2.45% | 3.18% | 5.84% | 3.36% | +123 bps | |
| Net Interest Margin | 4.40% | 4.37% | 4.31% | 4.28% | 4.44% | 4.23% | 4.54% | 4.57% | +29 bps | |
| Efficiency Ratio | 85.48% | 84.91% | 85.87% | 85.99% | 84.73% | 85.26% | 81.80% | 82.63% | -336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.06% | -5.87% | -5.31% | 2.47% | 2.90% | 8.89% | 7.43% | 2.16% | -31 bps | |
| Loan Growth (YoY) | -1.59% | -3.04% | -3.18% | -2.87% | -3.44% | 7.00% | 6.08% | 2.75% | +562 bps | |
| Share Growth (YoY) | -9.20% | -6.62% | -6.47% | 2.76% | 2.30% | 9.09% | 7.49% | 1.84% | -92 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 1.41% | 1.15% | 2.72% | 2.57% | 2.34% | 2.35% | 3.66% | +93 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 | 10.55% | 10.53% | 10.25% | 10.20% | 10.37% | 10.16% | 10.15% | 10.47% | +27 bps | |
| Net Worth / Assets | 10.55% | 10.53% | 10.25% | 10.20% | 10.37% | 10.16% | 10.15% | 10.47% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.90% | 63.66% | 61.36% | 60.75% | 60.31% | 62.44% | 60.55% | 61.30% | +55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Claymont, DE · Charter 464 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 3 branches
Q2 2026
Return on Assets
0.35%
Rank 30 of 51
Net Interest Margin
4.57%
Rank 8 of 51
Efficiency Ratio
82.62%
Rank 28 of 50
Equity / Assets
10.47%
Rank 38 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.35% | -0.05% | 0.48% | 0.90% | Beats 41% | 30 / 51 | ||
| Return on Equity | 3.36% | -0.58% | 4.00% | 6.90% | Beats 43% | 29 / 51 | ||
| Net Interest Margin | 4.57% | 2.96% | 3.44% | 3.98% | Beats 84% | 8 / 51 | ||
| Efficiency Ratio | 82.62% | 73.91% | 81.87% | 94.16% | Beats 46% | 28 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.66% | 0.19% | 0.96% | 1.83% | Beats 10% | 46 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.47% | 10.44% | 12.55% | 18.48% | Beats 25% | 38 / 51 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.47% | 10.44% | 12.55% | 18.48% | Beats 25% | 38 / 51 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.30% | 28.84% | 50.95% | 65.41% | 69th pctl | 16 / 51 | ||
| Loans / Assets | 54.15% | 20.51% | 39.58% | 57.94% | 71st pctl | 15 / 51 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||