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Bristol, PA · Charter 61101

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50 to 51). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

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Bristol, PA · Charter 61101

NCUA · 1 branch

Q2 2026

$70.3MAssets
$31.6MLoans
$62.1MShares
$8.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.61%, down 42 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.16% of loans (+8 bps YoY).
  • Capital: net worth / assets of 11.75%, down 32 bps from a year ago.
  • Funding: loans stand at 50.95% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.61%-42 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-7 bps YoY

Efficiency Ratio (YTD, annualized)

76.06%+508 bps YoY

Net Worth / Assets

11.75%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.60%0.84%1.03%0.90%0.84%0.44%0.61%-42 bps
Return on Equity5.56%5.05%7.06%8.58%7.99%6.97%3.72%5.22%-335 bps
Net Interest Margin2.77%2.86%2.98%3.04%2.77%2.98%2.91%2.96%-7 bps
Efficiency Ratio79.42%80.39%75.44%70.97%72.82%75.56%73.77%76.06%+508 bps
Growth
Asset Growth (YoY)4.86%9.54%9.11%4.85%8.18%4.65%4.84%6.93%+208 bps
Loan Growth (YoY)1.28%0.89%0.83%-0.29%-4.89%-7.59%-7.78%-5.72%-543 bps
Share Growth (YoY)4.25%9.87%9.28%4.18%8.18%3.99%4.61%7.36%+318 bps
Asset Quality
Delinquent Loans / Loans0.24%0.11%0.04%0.09%0.08%0.04%0.63%0.16%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.48%11.95%11.90%12.06%11.22%12.09%11.91%11.75%-32 bps
Net Worth / Assets11.48%11.95%11.90%12.06%11.22%12.09%11.91%11.75%-32 bps
Liquidity & Funding
Loans / Shares58.31%61.17%59.01%58.03%51.26%54.35%52.02%50.95%-707 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

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Bristol, PA · Charter 61101 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)

NCUA · 1 branch

Q2 2026

$70.3MAssets
$31.6MLoans
$62.1MShares
$8.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 78% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 12 of 50).
  • Widest gap: net interest margin trails 76% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 39 of 51).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.61%

Rank 20 of 51

Net Interest Margin

2.96%

Rank 39 of 51

Efficiency Ratio

76.08%

Rank 16 of 50

Equity / Assets

11.75%

Rank 32 of 51

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.61%-0.05%0.48%0.90%Beats 61%20 / 51
Return on Equity5.23%-0.58%4.00%6.90%Beats 59%21 / 51
Net Interest Margin2.96%2.96%3.44%3.98%Beats 24%39 / 51
Efficiency Ratio76.08%73.91%81.87%94.16%Beats 70%16 / 50
Asset Quality
Nonperforming Loans / Loans0.16%0.19%0.96%1.83%Beats 78%12 / 50
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.75%10.44%12.55%18.48%Beats 37%32 / 51
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.75%10.44%12.55%18.48%Beats 37%32 / 51
Liquidity & Funding
Loans / Deposits50.95%28.84%50.95%65.41%49th pctl26 / 51
Loans / Assets44.96%20.51%39.58%57.94%57th pctl22 / 51
Brokered Deposits / Depositsn/aNot reported for this institution