Warminster, PA · Charter 60275
NCUA · 5 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
83
Asset Quality
39
Profitability
40
Liquidity
0
Efficiency
88
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.
Warminster, PA · Charter 60275
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.29% | 0.99% | 0.99% | 1.02% | 0.99% | 0.94% | 0.96% | -2 bps | |
| Return on Equity | 10.34% | 9.99% | 7.68% | 7.61% | 7.64% | 7.50% | 7.10% | 7.19% | -42 bps | |
| Net Interest Margin | 2.54% | 2.46% | 2.40% | 2.41% | 2.48% | 2.46% | 2.51% | 2.51% | +10 bps | |
| Efficiency Ratio | 52.76% | 53.43% | 58.95% | 59.85% | 59.04% | 60.03% | 59.71% | 59.63% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.45% | 12.44% | 12.70% | 11.25% | 5.60% | 5.55% | 4.57% | 4.44% | -681 bps | |
| Loan Growth (YoY) | -2.46% | 0.57% | 1.95% | 1.20% | 0.86% | 1.39% | 1.11% | 1.08% | -12 bps | |
| Share Growth (YoY) | 9.87% | 12.63% | 12.92% | 11.33% | 5.27% | 5.12% | 4.32% | 4.46% | -687 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 0.83% | 0.74% | 0.78% | 0.77% | 0.84% | 0.79% | 0.81% | +4 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.94% | 12.91% | 12.83% | 12.94% | 13.32% | 13.22% | 13.24% | 13.37% | +43 bps | |
| Net Worth / Assets | 12.94% | 12.91% | 12.83% | 12.94% | 13.32% | 13.22% | 13.24% | 13.37% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.34% | 63.95% | 61.87% | 61.92% | 62.61% | 61.68% | 59.97% | 59.92% | -201 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Warminster, PA · Charter 60275 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 5 branches
Q2 2026
Return on Assets
0.96%
Rank 155 of 435
Net Interest Margin
2.51%
Rank 401 of 435
Efficiency Ratio
59.63%
Rank 53 of 435
Equity / Assets
13.37%
Rank 74 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.55% | 0.81% | 1.14% | Beats 64% | 155 / 435 | ||
| Return on Equity | 7.19% | 5.12% | 7.41% | 9.70% | Beats 48% | 228 / 435 | ||
| Net Interest Margin | 2.51% | 3.01% | 3.39% | 3.75% | Beats 8% | 401 / 435 | ||
| Efficiency Ratio | 59.63% | 65.25% | 71.39% | 77.86% | Beats 88% | 53 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.45% | 0.69% | 1.05% | Beats 39% | 266 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.37% | 9.81% | 10.84% | 12.63% | Beats 83% | 74 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.37% | 9.81% | 10.84% | 12.63% | Beats 83% | 74 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.92% | 78.33% | 88.38% | 95.61% | 7th pctl | 403 / 435 | ||
| Loans / Assets | 51.79% | 67.69% | 74.58% | 80.80% | 8th pctl | 402 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||