PackageTrendsPeer
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B. Braun

Allentown, PA · Charter 23725

NCUA · 2 branches

Q2 2026

$1.9MAssets
$279KLoans
$1.4MShares
$486KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.31%, down 33 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 25.11%, up 429 bps from a year ago.
  • Funding: loans stand at 19.29% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.31%-33 bps YoY

Net Interest Margin (quarter, annualized)

3.57%-22 bps YoY

Efficiency Ratio (quarter, annualized)

35.22%+369 bps YoY

Net Worth / Assets

25.11%+429 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.64%2.91%3.13%2.35%2.31%-33 bps
Return on Equity12.67%13.78%12.79%10.29%9.21%-346 bps
Net Interest Margin3.79%4.13%4.52%3.43%3.57%-22 bps
Efficiency Ratio31.53%30.51%31.11%31.62%35.22%+369 bps
Growth
Asset Growth (YoY)0.57%-3.47%-5.54%-0.84%-6.64%-721 bps
Loan Growth (YoY)-24.68%-21.25%-24.54%-25.13%-39.03%-1,435 bps
Share Growth (YoY)-2.14%-7.25%-10.64%-4.74%-11.70%-955 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.40%1.51%1.75%1.98%2.30%+90 bps
Capital
Risk-Based Capital20.83%21.10%24.46%22.84%25.11%+429 bps
Net Worth / Assets20.83%21.10%24.46%22.84%25.11%+429 bps
Liquidity & Funding
Loans / Shares27.94%25.28%25.59%20.15%19.29%-865 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps