Philadelphia, PA · Charter 7238
NCUA · 13 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
74
Asset Quality
29
Profitability
26
Liquidity
29
Efficiency
51
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.
Philadelphia, PA · Charter 7238
NCUA · 13 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 | 0.57% | 0.57% | 0.35% | 0.65% | 0.63% | 0.62% | 0.56% | 0.64% | -1 bps | |
| Return on Equity | 4.09% | 4.22% | 2.64% | 4.95% | 4.75% | 4.86% | 4.44% | 5.13% | +18 bps | |
| Net Interest Margin | 2.73% | 2.65% | 2.64% | 2.68% | 2.81% | 2.77% | 2.96% | 2.92% | +24 bps | |
| Efficiency Ratio | 76.27% | 75.43% | 75.24% | 72.29% | 72.72% | 73.01% | 73.69% | 71.17% | -112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.99% | 9.34% | 9.86% | 10.48% | 9.11% | 10.27% | 9.28% | 9.91% | -57 bps | |
| Loan Growth (YoY) | 12.67% | 13.28% | 12.68% | 11.10% | 11.33% | 10.11% | 8.95% | 9.88% | -122 bps | |
| Share Growth (YoY) | 4.44% | 8.42% | 8.72% | 9.31% | 8.52% | 9.54% | 8.69% | 9.67% | +36 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 1.20% | 0.98% | 1.09% | 1.03% | 1.21% | 0.85% | 0.99% | -10 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 | 13.82% | 13.52% | 13.10% | 13.21% | 13.17% | 12.77% | 12.53% | 12.52% | -69 bps | |
| Net Worth / Assets | 13.82% | 13.52% | 13.10% | 13.21% | 13.17% | 12.77% | 12.53% | 12.52% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.26% | 71.94% | 70.16% | 71.51% | 74.13% | 72.31% | 70.33% | 71.65% | +14 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Philadelphia, PA · Charter 7238 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
0.64%
Rank 296 of 435
Net Interest Margin
2.92%
Rank 349 of 435
Efficiency Ratio
71.18%
Rank 213 of 435
Equity / Assets
12.52%
Rank 115 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.55% | 0.81% | 1.14% | Beats 32% | 296 / 435 | ||
| Return on Equity | 5.13% | 5.12% | 7.41% | 9.70% | Beats 25% | 325 / 435 | ||
| Net Interest Margin | 2.92% | 3.01% | 3.39% | 3.75% | Beats 20% | 349 / 435 | ||
| Efficiency Ratio | 71.18% | 65.25% | 71.39% | 77.86% | Beats 51% | 213 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.99% | 0.45% | 0.69% | 1.05% | Beats 29% | 312 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.52% | 9.81% | 10.84% | 12.63% | Beats 74% | 115 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.52% | 9.81% | 10.84% | 12.63% | Beats 74% | 115 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.65% | 78.33% | 88.38% | 95.61% | 16th pctl | 366 / 435 | ||
| Loans / Assets | 62.77% | 67.69% | 74.58% | 80.80% | 16th pctl | 364 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||