Philadelphia, PA · Charter 5621
NCUA · 34 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
19
Profitability
25
Liquidity
85
Efficiency
36
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 5621
NCUA · 34 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.71% | 0.69% | 0.41% | 0.53% | -2 bps | |
| Return on Equity | 6.64% | 8.54% | 8.24% | 4.91% | 6.28% | -36 bps | |
| Net Interest Margin | 2.83% | 2.87% | 2.81% | 2.80% | 2.83% | 0 bps | |
| Efficiency Ratio | 75.57% | 73.12% | 72.12% | 79.07% | 75.05% | -52 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.91% | 6.88% | 3.60% | 5.62% | 3.95% | -196 bps | |
| Loan Growth (YoY) | 7.47% | -0.87% | 1.95% | 2.51% | -4.47% | -1,194 bps | |
| Share Growth (YoY) | 8.82% | 9.83% | 10.53% | 9.92% | 8.24% | -58 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.15% | 1.11% | 0.90% | 1.23% | -1 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.30% | 8.28% | 8.34% | 8.32% | 8.43% | +13 bps | |
| Net Worth / Assets | 8.30% | 8.28% | 8.34% | 8.32% | 8.43% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.13% | 87.93% | 85.06% | 85.33% | 84.84% | -1,129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Philadelphia, PA · Charter 5621 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 34 branches
Q2 2026
Return on Assets
0.53%
Rank 334 of 435
Net Interest Margin
2.83%
Rank 365 of 435
Efficiency Ratio
75.05%
Rank 278 of 435
Equity / Assets
8.43%
Rank 408 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.55% | 0.81% | 1.14% | Beats 23% | 334 / 435 | |
| Return on Equity | 6.28% | 5.12% | 7.41% | 9.70% | Beats 36% | 277 / 435 | |
| Net Interest Margin | 2.83% | 3.01% | 3.39% | 3.75% | Beats 16% | 365 / 435 | |
| Efficiency Ratio | 75.05% | 65.25% | 71.39% | 77.86% | Beats 36% | 278 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.23% | 0.45% | 0.69% | 1.05% | Beats 19% | 355 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.43% | 9.81% | 10.84% | 12.63% | Beats 6% | 408 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.43% | 9.81% | 10.84% | 12.63% | Beats 6% | 408 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.84% | 78.33% | 88.38% | 95.61% | 40th pctl | 261 / 435 | |
| Loans / Assets | 69.79% | 67.69% | 74.58% | 80.80% | 33rd pctl | 293 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||