Kennaford
Bedford, PA · Charter 12900 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$3.8MAssets
$1.7MLoans
$2.5MShares
$1.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of credit unions under $1B in assets (rank 37 of 1683).
- Widest gap: efficiency ratio trails 96% of credit unions under $1B in assets (rank 1619 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |