Reading, PA · Charter 64896
NCUA · 2 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
94
Asset Quality
17
Profitability
14
Liquidity
0
Efficiency
40
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.
Reading, PA · Charter 64896
NCUA · 2 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 | 0.05% | 0.01% | 0.13% | 0.30% | 0.33% | 0.38% | 0.53% | 0.54% | +25 bps | |
| Return on Equity | 0.28% | 0.05% | 0.84% | 1.91% | 2.13% | 2.44% | 3.38% | 3.45% | +154 bps | |
| Net Interest Margin | 1.63% | 1.64% | 2.05% | 2.12% | 2.17% | 2.17% | 2.28% | 2.32% | +20 bps | |
| Efficiency Ratio | 84.48% | 86.62% | 78.79% | 77.37% | 78.62% | 78.21% | 76.25% | 74.42% | -295 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.44% | 0.73% | 14.54% | 13.67% | 13.76% | 15.48% | 1.20% | 1.63% | -1,204 bps | |
| Loan Growth (YoY) | 8.78% | 4.05% | 13.85% | 11.63% | 13.14% | 16.15% | 6.77% | 7.68% | -394 bps | |
| Share Growth (YoY) | -1.37% | 0.58% | 13.34% | 12.94% | 13.92% | 13.78% | 0.06% | 0.73% | -1,221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.54% | 0.37% | 0.44% | 1.12% | 1.09% | 1.04% | 1.26% | +82 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 | 16.63% | 16.65% | 15.39% | 15.56% | 15.58% | 15.53% | 15.60% | 15.73% | +16 bps | |
| Net Worth / Assets | 16.63% | 16.65% | 15.39% | 15.56% | 15.58% | 15.53% | 15.60% | 15.73% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.15% | 61.26% | 58.61% | 59.36% | 60.73% | 62.54% | 62.54% | 63.46% | +410 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Reading, PA · Charter 64896 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 2 branches
Q2 2026
Return on Assets
0.54%
Rank 331 of 435
Net Interest Margin
2.32%
Rank 414 of 435
Efficiency Ratio
74.42%
Rank 264 of 435
Equity / Assets
15.73%
Rank 25 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.54% | 0.55% | 0.81% | 1.14% | Beats 24% | 331 / 435 | ||
| Return on Equity | 3.45% | 5.12% | 7.41% | 9.70% | Beats 14% | 373 / 435 | ||
| Net Interest Margin | 2.32% | 3.01% | 3.39% | 3.75% | Beats 5% | 414 / 435 | ||
| Efficiency Ratio | 74.42% | 65.25% | 71.39% | 77.86% | Beats 40% | 264 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.26% | 0.45% | 0.69% | 1.05% | Beats 17% | 362 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.73% | 9.81% | 10.84% | 12.63% | Beats 94% | 25 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.73% | 9.81% | 10.84% | 12.63% | Beats 94% | 25 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.46% | 78.33% | 88.38% | 95.61% | 9th pctl | 394 / 435 | ||
| Loans / Assets | 53.08% | 67.69% | 74.58% | 80.80% | 9th pctl | 398 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||