American Heritage
Philadelphia, PA · Charter 5621 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 34 branches
Q2 2026
$5.4BAssets
$3.7BLoans
$4.4BShares
$451.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 36% of credit unions $1B-$10B in assets (rank 277 of 435).
- Widest gap: equity / assets trails 94% of credit unions $1B-$10B in assets (rank 408 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 |