Philadelphia, PA · Charter 5539
NCUA · 1 branch
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |