Philadelphia Letter Carriers 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
$6.8M Assets
$6.0M Loans
$6.0M Shares
$431K Net Worth
Executive Summary Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 2 of 56). Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 56 of 56). Overall: at or above the peer median on 2 of 7 directional measures. 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 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (55 to 56 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.41%, the median effective tax rate of the 2,782 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11