Bradford Area
Bradford, PA · Charter 13823 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$11.4MAssets
$6.6MLoans
$9.8MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets (rank 450 of 1682).
- Widest gap: net interest margin trails 95% of credit unions under $1B in assets (rank 1591 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.18%
Rank 1,400 of 1,683
Net Interest Margin
2.64%
Rank 1,591 of 1,683
Efficiency Ratio
98.75%
Rank 1,545 of 1,682
Equity / Assets
13.74%
Rank 712 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.18% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,400 / 1,683 | |
| Return on Equity | 1.28% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,402 / 1,681 | |
| Net Interest Margin | 2.64% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,591 / 1,683 | |
| Efficiency Ratio | 98.75% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,545 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 450 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.74% | 10.44% | 12.89% | 16.53% | Beats 58% | 712 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.74% | 10.44% | 12.89% | 16.53% | Beats 58% | 712 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 67.45% | 52.61% | 69.38% | 83.50% | 46th pctl | 907 / 1,683 | |
| Loans / Assets | 58.04% | 44.71% | 59.18% | 70.72% | 48th pctl | 880 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |