PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Philadelphia

Philadelphia, PA · Charter 7238

NCUA · 13 branches

Q2 2026

$2.0BAssets
$1.3BLoans
$1.8BShares
$255.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.64%, down 1 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.99% of loans (-10 bps YoY).
  • Capital: net worth / assets of 12.52%, down 69 bps from a year ago.
  • Funding: loans stand at 71.65% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.64%-1 bps YoY

Net Interest Margin (quarter, annualized)

2.92%+24 bps YoY

Efficiency Ratio (quarter, annualized)

71.17%-112 bps YoY

Net Worth / Assets

12.52%-69 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.63%0.62%0.56%0.64%-1 bps
Return on Equity4.95%4.75%4.86%4.44%5.13%+18 bps
Net Interest Margin2.68%2.81%2.77%2.96%2.92%+24 bps
Efficiency Ratio72.29%72.72%73.01%73.69%71.17%-112 bps
Growth
Asset Growth (YoY)10.48%9.11%10.27%9.28%9.91%-57 bps
Loan Growth (YoY)11.10%11.33%10.11%8.95%9.88%-122 bps
Share Growth (YoY)9.31%8.52%9.54%8.69%9.67%+36 bps
Asset Quality
Delinquent Loans / Loans1.09%1.03%1.21%0.85%0.99%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.21%13.17%12.77%12.53%12.52%-69 bps
Net Worth / Assets13.21%13.17%12.77%12.53%12.52%-69 bps
Liquidity & Funding
Loans / Shares71.51%74.13%72.31%70.33%71.65%+14 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps