Bradford, PA · Charter 13823
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 | -0.11% | -0.06% | 0.13% | 0.05% | 0.20% | 0.06% | 0.40% | 0.18% | +13 bps | |
| Return on Equity | -0.76% | -0.43% | 1.05% | 0.36% | 1.51% | 0.47% | 3.05% | 1.32% | +96 bps | |
| Net Interest Margin | 2.89% | 2.53% | 2.34% | 2.41% | 2.54% | 2.61% | 2.75% | 2.64% | +22 bps | |
| Efficiency Ratio | 103.46% | 92.99% | 95.12% | 98.34% | 92.83% | 96.68% | 84.72% | 99.24% | +90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.09% | 19.23% | 27.76% | 14.64% | 12.10% | 1.07% | -0.51% | -3.46% | -1,810 bps | |
| Loan Growth (YoY) | 20.01% | 7.12% | 2.85% | 5.37% | 7.96% | 10.97% | 11.61% | 2.63% | -274 bps | |
| Share Growth (YoY) | 11.97% | 23.17% | 33.73% | 17.17% | 13.96% | 1.10% | -0.82% | -4.30% | -2,148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 0.92% | 0.93% | 0.80% | 0.68% | 0.62% | 0.57% | 0.30% | -50 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 | 1.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.04% | 13.34% | 12.72% | 13.17% | 12.92% | 13.25% | 13.13% | 13.74% | +58 bps | |
| Net Worth / Assets | 14.04% | 13.34% | 12.72% | 13.17% | 12.92% | 13.25% | 13.13% | 13.74% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.77% | 58.98% | 55.30% | 62.89% | 63.26% | 64.74% | 62.24% | 67.45% | +455 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |