Bethlehem, PA · Charter 1669
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 PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
22
Profitability
69
Liquidity
0
Efficiency
82
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.
Bethlehem, PA · Charter 1669
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.53% | 1.53% | 1.36% | 1.61% | 1.61% | +8 bps | |
| Return on Equity | 6.22% | 6.21% | 5.70% | 6.70% | 6.86% | +64 bps | |
| Net Interest Margin | 4.31% | 4.26% | 3.96% | 4.14% | 4.11% | -20 bps | |
| Efficiency Ratio | 65.99% | 65.51% | 67.27% | 62.27% | 62.13% | -386 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.74% | -0.96% | 6.12% | 7.68% | 9.79% | +1,152 bps | |
| Loan Growth (YoY) | -0.49% | -2.21% | 4.51% | 4.84% | 4.56% | +504 bps | |
| Share Growth (YoY) | -4.32% | -3.30% | 6.48% | 8.13% | 10.84% | +1,515 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 1.03% | 0.93% | 1.04% | 1.22% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.62% | 0.68% | 0.68% | 0.69% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.59% | 24.72% | 23.84% | 24.07% | 23.41% | -119 bps | |
| Net Worth / Assets | 24.59% | 24.72% | 23.84% | 24.07% | 23.41% | -119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.85% | 89.27% | 89.04% | 90.94% | 86.65% | -520 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bethlehem, PA · Charter 1669 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
Return on Assets
1.61%
Rank 10 of 72
Net Interest Margin
4.11%
Rank 17 of 72
Efficiency Ratio
62.50%
Rank 14 of 72
Equity / Assets
23.41%
Rank 7 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.61% | 0.59% | 1.06% | 1.40% | Beats 86% | 10 / 72 | |
| Return on Equity | 6.87% | 5.27% | 7.11% | 9.91% | Beats 46% | 39 / 72 | |
| Net Interest Margin | 4.11% | 3.09% | 3.57% | 4.10% | Beats 76% | 17 / 72 | |
| Efficiency Ratio | 62.50% | 64.37% | 73.67% | 81.63% | Beats 82% | 14 / 72 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.22% | 0.20% | 0.58% | 1.09% | Beats 22% | 57 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 23.41% | 10.74% | 12.96% | 16.84% | Beats 90% | 7 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 23.41% | 10.74% | 12.96% | 16.84% | Beats 90% | 7 / 72 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.65% | 34.39% | 52.54% | 65.98% | 94th pctl | 4 / 72 | |
| Loans / Assets | 65.89% | 30.23% | 45.37% | 57.67% | 88th pctl | 9 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||