Bedford, PA · Charter 12900
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
12
Profitability
21
Liquidity
93
Efficiency
4
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.
Bedford, PA · Charter 12900
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 | -0.48% | -0.50% | 0.17% | -0.13% | -0.18% | -0.17% | -0.38% | -0.42% | -29 bps | |
| Return on Equity | -1.76% | -1.74% | 0.56% | -0.43% | -0.57% | -0.54% | -1.19% | -1.28% | -85 bps | |
| Net Interest Margin | 2.43% | 2.25% | 2.97% | 3.06% | 3.16% | 3.18% | 3.58% | 3.76% | +70 bps | |
| Efficiency Ratio | 119.63% | 121.89% | 94.27% | 104.33% | 105.69% | 105.29% | 107.69% | 109.74% | +541 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.39% | -13.10% | -12.96% | -14.67% | -14.54% | -9.62% | -5.40% | -5.89% | +877 bps | |
| Loan Growth (YoY) | -6.24% | -11.08% | -9.92% | -12.74% | -14.74% | -14.51% | -12.55% | -19.67% | -692 bps | |
| Share Growth (YoY) | -15.44% | -15.80% | -13.81% | -14.11% | -13.80% | -8.06% | -5.94% | -8.15% | +597 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 0.91% | 1.52% | 1.40% | 2.83% | 3.21% | 2.03% | 2.25% | +85 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 | 0.30% | 0.32% | 0.33% | 0.34% | 0.36% | 0.19% | 0.13% | 0.15% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.30% | 28.61% | 30.44% | 31.15% | 31.68% | 31.49% | 31.86% | 32.79% | +163 bps | |
| Net Worth / Assets | 27.30% | 28.61% | 30.44% | 31.15% | 31.68% | 31.49% | 31.86% | 32.79% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.70% | 75.55% | 76.06% | 76.89% | 74.88% | 70.25% | 70.71% | 67.25% | -964 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bedford, PA · Charter 12900 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.42%
Rank 1,566 of 1,683
Net Interest Margin
3.75%
Rank 903 of 1,683
Efficiency Ratio
111.27%
Rank 1,619 of 1,682
Equity / Assets
32.79%
Rank 37 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.42% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,566 / 1,683 | ||
| Return on Equity | -1.29% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,529 / 1,681 | ||
| Net Interest Margin | 3.75% | 3.31% | 3.82% | 4.32% | Beats 46% | 903 / 1,683 | ||
| Efficiency Ratio | 111.27% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,619 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.22% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,479 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 32.79% | 10.44% | 12.89% | 16.53% | Beats 98% | 37 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 32.79% | 10.44% | 12.89% | 16.53% | Beats 98% | 37 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.26% | 52.61% | 69.38% | 83.50% | 46th pctl | 913 / 1,683 | ||
| Loans / Assets | 45.08% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,252 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||