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Bhcu

Ridley Park, PA · Charter 61387

NCUA · 4 branches

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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

48

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

Bhcu

Ridley Park, PA · Charter 61387

NCUA · 4 branches

Q2 2026

$276.2MAssets
$208.8MLoans
$241.7MShares
$32.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.66%, up 19 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.67% of loans (+19 bps YoY).
  • Capital: net worth / assets of 11.88%, down 12 bps from a year ago.
  • Funding: loans stand at 86.41% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.66%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.04%+41 bps YoY

Efficiency Ratio (YTD, annualized)

82.14%+13 bps YoY

Net Worth / Assets

11.88%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.41%0.16%0.47%0.50%0.52%0.61%0.66%+19 bps
Return on Equity3.73%3.32%1.35%3.93%4.09%4.40%5.12%5.58%+165 bps
Net Interest Margin2.52%2.49%2.49%2.63%2.75%2.78%2.93%3.04%+41 bps
Efficiency Ratio86.78%87.33%92.80%82.01%82.38%81.53%84.70%82.14%+13 bps
Growth
Asset Growth (YoY)2.70%5.27%5.44%6.95%7.94%6.91%4.73%5.29%-167 bps
Loan Growth (YoY)3.77%4.02%9.21%9.53%4.10%7.07%6.82%12.88%+334 bps
Share Growth (YoY)2.87%4.90%5.14%5.38%9.32%6.99%4.41%6.61%+122 bps
Asset Quality
Delinquent Loans / Loans0.43%0.28%0.59%0.49%0.77%0.89%0.90%0.67%+19 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 Capital12.74%12.31%11.88%12.00%12.16%11.90%11.83%11.88%-12 bps
Net Worth / Assets12.74%12.31%11.88%12.00%12.16%11.90%11.83%11.88%-12 bps
Liquidity & Funding
Loans / Shares84.44%81.94%80.48%81.61%80.41%82.01%82.33%86.41%+480 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

Bhcu

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

$276.2MAssets
$208.8MLoans
$241.7MShares
$32.8MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 67% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 17 of 51).
  • Widest gap: net interest margin trails 73% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 37 of 51).
  • Overall: at or above the peer median on 3 of 7 directional measures.

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.66%-0.05%0.48%0.90%Beats 67%17 / 51
Return on Equity5.58%-0.58%4.00%6.90%Beats 63%19 / 51
Net Interest Margin3.04%2.96%3.44%3.98%Beats 27%37 / 51
Efficiency Ratio82.15%73.91%81.87%94.16%Beats 48%27 / 50
Asset Quality
Nonperforming Loans / Loans0.67%0.19%0.96%1.83%Beats 62%20 / 50
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.88%10.44%12.55%18.48%Beats 39%31 / 51
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.88%10.44%12.55%18.48%Beats 39%31 / 51
Liquidity & Funding
Loans / Deposits86.41%28.84%50.95%65.41%88th pctl6 / 51
Loans / Assets75.61%20.51%39.58%57.94%92nd pctl4 / 51
Brokered Deposits / Depositsn/aNot reported for this institution