Ridley Park, PA · Charter 61387
NCUA · 4 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 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.
Capital
39
Asset Quality
62
Profitability
52
Liquidity
0
Efficiency
48
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.
Ridley Park, PA · Charter 61387
NCUA · 4 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 | 0.47% | 0.50% | 0.52% | 0.61% | 0.66% | +19 bps | |
| Return on Equity | 3.93% | 4.09% | 4.40% | 5.12% | 5.58% | +165 bps | |
| Net Interest Margin | 2.63% | 2.75% | 2.78% | 2.93% | 3.04% | +41 bps | |
| Efficiency Ratio | 82.01% | 82.38% | 81.53% | 84.70% | 82.14% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.95% | 7.94% | 6.91% | 4.73% | 5.29% | -167 bps | |
| Loan Growth (YoY) | 9.53% | 4.10% | 7.07% | 6.82% | 12.88% | +334 bps | |
| Share Growth (YoY) | 5.38% | 9.32% | 6.99% | 4.41% | 6.61% | +122 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.77% | 0.89% | 0.90% | 0.67% | +19 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 | 12.00% | 12.16% | 11.90% | 11.83% | 11.88% | -12 bps | |
| Net Worth / Assets | 12.00% | 12.16% | 11.90% | 11.83% | 11.88% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.61% | 80.41% | 82.01% | 82.33% | 86.41% | +480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ridley Park, PA · Charter 61387 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 4 branches
Q2 2026
Return on Assets
0.66%
Rank 17 of 51
Net Interest Margin
3.04%
Rank 37 of 51
Efficiency Ratio
82.15%
Rank 27 of 50
Equity / Assets
11.88%
Rank 31 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | -0.05% | 0.48% | 0.90% | Beats 67% | 17 / 51 | |
| Return on Equity | 5.58% | -0.58% | 4.00% | 6.90% | Beats 63% | 19 / 51 | |
| Net Interest Margin | 3.04% | 2.96% | 3.44% | 3.98% | Beats 27% | 37 / 51 | |
| Efficiency Ratio | 82.15% | 73.91% | 81.87% | 94.16% | Beats 48% | 27 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.19% | 0.96% | 1.83% | Beats 62% | 20 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.88% | 10.44% | 12.55% | 18.48% | Beats 39% | 31 / 51 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.88% | 10.44% | 12.55% | 18.48% | Beats 39% | 31 / 51 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.41% | 28.84% | 50.95% | 65.41% | 88th pctl | 6 / 51 | |
| Loans / Assets | 75.61% | 20.51% | 39.58% | 57.94% | 92nd pctl | 4 / 51 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||