Philadelphia, PA · Charter 5539
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 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=55 to 56). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
75
Profitability
32
Liquidity
0
Efficiency
7
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.
Philadelphia, PA · Charter 5539
NCUA · 1 branch
Q3 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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.63% | 0.50% | 0.34% | 0.21% | 0.94% | -3.58% | -10.21% | -1,055 bps | |
| Return on Equity | 1.29% | 4.84% | 3.79% | 2.60% | 1.59% | 7.29% | -30.61% | -160.35% | -16,295 bps | |
| Net Interest Margin | 6.48% | 6.60% | 6.42% | 6.40% | 6.55% | 6.73% | 6.86% | 7.27% | +87 bps | |
| Efficiency Ratio | 85.79% | 82.60% | 82.54% | 81.91% | 84.69% | 90.92% | 136.17% | 146.72% | +6,481 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.53% | -1.44% | -3.99% | 1.14% | 0.22% | 2.91% | -2.75% | -7.45% | -859 bps | |
| Loan Growth (YoY) | 6.16% | 5.59% | 5.68% | 8.20% | 2.11% | 0.01% | -6.76% | -9.57% | -1,777 bps | |
| Share Growth (YoY) | -9.02% | -3.29% | -6.56% | 1.85% | 0.04% | 3.46% | -3.62% | -4.42% | -627 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.86% | 0.67% | 0.69% | 1.24% | 4.16% | 1.73% | 0.29% | -39 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 | 2.31% | 2.61% | 2.72% | 2.50% | 2.64% | 2.28% | 1.11% | 4.50% | +200 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.20% | 12.97% | 13.21% | 13.01% | 13.41% | 12.86% | 11.71% | 6.37% | -664 bps | |
| Net Worth / Assets | 13.20% | 12.97% | 13.21% | 13.01% | 13.41% | 12.86% | 11.71% | 6.37% | -664 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.89% | 104.66% | 110.14% | 105.77% | 110.12% | 101.17% | 106.55% | 100.07% | -570 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Philadelphia, PA · Charter 5539 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=55-56)
NCUA · 1 branch
Q3 2025
Return on Assets
-10.21%
Rank 56 of 56
Net Interest Margin
7.27%
Rank 2 of 56
Efficiency Ratio
146.59%
Rank 53 of 56
Equity / Assets
6.37%
Rank 56 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -10.21% | 0.16% | 0.70% | 1.28% | Beats 0% | 56 / 56 | ||
| Return on Equity | -160.25% | 0.86% | 5.98% | 8.96% | Beats 0% | 56 / 56 | ||
| Net Interest Margin | 7.27% | 2.68% | 3.33% | 4.18% | Beats 96% | 2 / 56 | ||
| Efficiency Ratio | 146.59% | 71.51% | 82.42% | 92.19% | Beats 7% | 53 / 56 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.24% | 0.70% | 1.55% | Beats 75% | 15 / 55 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.37% | 10.24% | 12.27% | 17.68% | Beats 0% | 56 / 56 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.37% | 10.24% | 12.27% | 17.68% | Beats 0% | 56 / 56 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.07% | 30.31% | 51.97% | 72.74% | 96th pctl | 2 / 56 | ||
| Loans / Assets | 88.81% | 25.06% | 44.63% | 60.81% | 98th pctl | 1 / 56 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||