New Castle, DE · Charter 8609
NCUA · 1 branch
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
0
Asset Quality
12
Profitability
34
Liquidity
100
Efficiency
28
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.
New Castle, DE · Charter 8609
NCUA · 1 branch
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 | -0.59% | -0.42% | 0.27% | 0.58% | 0.55% | 0.56% | -0.03% | -0.05% | -63 bps | |
| Return on Equity | -9.66% | -6.58% | 4.25% | 9.10% | 8.07% | 7.96% | -0.51% | -0.69% | -980 bps | |
| Net Interest Margin | 2.80% | 2.92% | 3.14% | 3.20% | 3.57% | 3.60% | 3.80% | 3.81% | +61 bps | |
| Efficiency Ratio | 106.41% | 103.66% | 93.28% | 85.64% | 84.63% | 83.50% | 91.88% | 92.99% | +735 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.82% | -7.70% | -7.00% | -4.99% | -3.58% | -1.29% | -1.91% | -3.58% | +140 bps | |
| Loan Growth (YoY) | 32.65% | 23.60% | 16.34% | 7.81% | 3.96% | 2.90% | -1.80% | -1.35% | -916 bps | |
| Share Growth (YoY) | -8.47% | -7.53% | -5.90% | -4.97% | -4.66% | -2.45% | -2.76% | -2.03% | +294 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 1.17% | 0.87% | 1.11% | 1.26% | 2.72% | 2.44% | 2.57% | +146 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 | 6.15% | 6.34% | 6.31% | 6.42% | 6.83% | 6.99% | 6.85% | 6.81% | +40 bps | |
| Net Worth / Assets | 6.15% | 6.34% | 6.31% | 6.42% | 6.83% | 6.99% | 6.85% | 6.81% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.13% | 49.85% | 49.38% | 50.71% | 52.48% | 52.58% | 49.87% | 51.06% | +35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Castle, DE · Charter 8609 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.05%
Rank 41 of 51
Net Interest Margin
3.81%
Rank 19 of 51
Efficiency Ratio
92.95%
Rank 37 of 50
Equity / Assets
6.81%
Rank 51 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.05% | -0.05% | 0.48% | 0.90% | Beats 20% | 41 / 51 | ||
| Return on Equity | -0.66% | -0.58% | 4.00% | 6.90% | Beats 18% | 42 / 51 | ||
| Net Interest Margin | 3.81% | 2.96% | 3.44% | 3.98% | Beats 63% | 19 / 51 | ||
| Efficiency Ratio | 92.95% | 73.91% | 81.87% | 94.16% | Beats 28% | 37 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.57% | 0.19% | 0.96% | 1.83% | Beats 12% | 45 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.81% | 10.44% | 12.55% | 18.48% | Beats 0% | 51 / 51 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.81% | 10.44% | 12.55% | 18.48% | Beats 0% | 51 / 51 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.06% | 28.84% | 50.95% | 65.41% | 51st pctl | 25 / 51 | ||
| Loans / Assets | 47.56% | 20.51% | 39.58% | 57.94% | 59th pctl | 21 / 51 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||