Pottstown, PA · Charter 6269
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
31
Asset Quality
30
Profitability
77
Liquidity
83
Efficiency
66
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.
Pottstown, PA · Charter 6269
NCUA · 4 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 | 1.29% | 1.24% | 0.95% | 0.99% | 1.05% | 1.06% | 0.82% | 0.90% | -9 bps | |
| Return on Equity | 12.58% | 11.89% | 9.39% | 9.64% | 9.88% | 9.74% | 7.70% | 8.47% | -117 bps | |
| Net Interest Margin | 4.10% | 4.11% | 4.05% | 4.06% | 4.18% | 4.22% | 4.01% | 3.98% | -8 bps | |
| Efficiency Ratio | 75.89% | 75.19% | 76.33% | 76.09% | 75.57% | 75.75% | 79.81% | 78.29% | +219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.80% | 3.19% | 4.78% | 6.84% | 6.99% | 6.27% | 5.52% | 6.08% | -76 bps | |
| Loan Growth (YoY) | 3.89% | 4.08% | 2.71% | 3.07% | 1.41% | 0.33% | 1.26% | -0.49% | -356 bps | |
| Share Growth (YoY) | 0.44% | 2.32% | 3.92% | 6.15% | 6.16% | 4.98% | 4.66% | 5.67% | -47 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.16% | 0.11% | 0.09% | 0.11% | 0.27% | 0.56% | 1.57% | +149 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 | 10.22% | 10.43% | 10.16% | 10.23% | 10.61% | 10.88% | 10.63% | 10.62% | +39 bps | |
| Net Worth / Assets | 10.22% | 10.43% | 10.16% | 10.23% | 10.61% | 10.88% | 10.63% | 10.62% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.91% | 64.71% | 60.80% | 60.51% | 62.01% | 61.85% | 58.82% | 56.98% | -353 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pottstown, PA · Charter 6269 · 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
0.90%
Rank 13 of 51
Net Interest Margin
3.98%
Rank 13 of 51
Efficiency Ratio
78.29%
Rank 18 of 50
Equity / Assets
10.62%
Rank 35 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | -0.05% | 0.48% | 0.90% | Beats 75% | 13 / 51 | ||
| Return on Equity | 8.47% | -0.58% | 4.00% | 6.90% | Beats 80% | 10 / 51 | ||
| Net Interest Margin | 3.98% | 2.96% | 3.44% | 3.98% | Beats 75% | 13 / 51 | ||
| Efficiency Ratio | 78.29% | 73.91% | 81.87% | 94.16% | Beats 66% | 18 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.58% | 0.19% | 0.96% | 1.83% | Beats 30% | 36 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.62% | 10.44% | 12.55% | 18.48% | Beats 31% | 35 / 51 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.62% | 10.44% | 12.55% | 18.48% | Beats 31% | 35 / 51 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.98% | 28.84% | 50.95% | 65.41% | 65th pctl | 18 / 51 | ||
| Loans / Assets | 51.01% | 20.51% | 39.58% | 57.94% | 65th pctl | 18 / 51 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||