Pottstown, PA · Charter 68241
NCUA · 8 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
36
Asset Quality
91
Profitability
56
Liquidity
0
Efficiency
31
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 68241
NCUA · 8 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 | 0.76% | 0.75% | 0.44% | 1.18% | 1.06% | 1.05% | 0.73% | 0.96% | -22 bps | |
| Return on Equity | 7.47% | 7.45% | 4.55% | 11.67% | 10.38% | 10.42% | 7.29% | 9.32% | -235 bps | |
| Net Interest Margin | 2.79% | 2.78% | 2.90% | 2.96% | 3.02% | 2.98% | 3.08% | 3.13% | +17 bps | |
| Efficiency Ratio | 80.38% | 79.97% | 84.32% | 72.85% | 75.40% | 75.00% | 80.37% | 76.28% | +343 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.94% | 8.64% | 8.85% | 10.15% | 9.37% | 11.78% | 9.54% | 8.12% | -203 bps | |
| Loan Growth (YoY) | 6.36% | 7.32% | 6.72% | 5.57% | 7.13% | 7.11% | 7.08% | 7.98% | +241 bps | |
| Share Growth (YoY) | 6.91% | 8.52% | 8.98% | 8.96% | 8.94% | 11.06% | 8.98% | 7.89% | -106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.31% | 0.25% | 0.24% | 0.31% | 0.35% | 0.30% | 0.29% | +5 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 | 10.11% | 10.14% | 9.77% | 10.08% | 10.20% | 10.10% | 10.01% | 10.25% | +18 bps | |
| Net Worth / Assets | 10.11% | 10.14% | 9.77% | 10.08% | 10.20% | 10.10% | 10.01% | 10.25% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.72% | 67.22% | 63.50% | 64.38% | 66.59% | 64.83% | 62.39% | 64.43% | +5 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 68241 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 8 branches
Q2 2026
Return on Assets
0.96%
Rank 157 of 435
Net Interest Margin
3.13%
Rank 294 of 435
Efficiency Ratio
76.28%
Rank 302 of 435
Equity / Assets
10.25%
Rank 280 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.55% | 0.81% | 1.14% | Beats 64% | 157 / 435 | ||
| Return on Equity | 9.32% | 5.12% | 7.41% | 9.70% | Beats 72% | 122 / 435 | ||
| Net Interest Margin | 3.13% | 3.01% | 3.39% | 3.75% | Beats 32% | 294 / 435 | ||
| Efficiency Ratio | 76.28% | 65.25% | 71.39% | 77.86% | Beats 31% | 302 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.45% | 0.69% | 1.05% | Beats 91% | 39 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.25% | 9.81% | 10.84% | 12.63% | Beats 36% | 280 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.25% | 9.81% | 10.84% | 12.63% | Beats 36% | 280 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.43% | 78.33% | 88.38% | 95.61% | 10th pctl | 393 / 435 | ||
| Loans / Assets | 57.04% | 67.69% | 74.58% | 80.80% | 11th pctl | 386 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||