Bradford, PA · Charter 24857
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
86
Profitability
86
Liquidity
0
Efficiency
75
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.
Bradford, PA · Charter 24857
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 | 0.78% | 0.88% | 1.08% | 1.26% | 1.07% | 1.26% | 2.06% | 1.80% | +54 bps | |
| Return on Equity | 3.60% | 4.01% | 4.97% | 5.98% | 5.06% | 5.77% | 9.15% | 7.88% | +190 bps | |
| Net Interest Margin | 4.36% | 4.47% | 4.46% | 4.52% | 4.32% | 4.70% | 5.18% | 5.31% | +79 bps | |
| Efficiency Ratio | 82.29% | 78.43% | 76.25% | 72.61% | 75.82% | 73.56% | 60.75% | 66.56% | -605 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.34% | 2.21% | 2.94% | 9.95% | 8.94% | 6.80% | 4.00% | -1.03% | -1,098 bps | |
| Loan Growth (YoY) | -8.39% | -6.29% | -1.88% | -10.21% | 9.70% | 11.85% | 7.48% | 22.51% | +3,271 bps | |
| Share Growth (YoY) | -8.71% | 1.69% | 2.47% | 11.24% | 10.00% | 6.90% | 3.03% | -3.09% | -1,434 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.16% | 2.80% | 1.42% | 0.23% | 0.17% | 0.14% | 1.27% | 0.12% | -11 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 | 0.47% | 0.59% | 0.58% | 0.63% | 0.54% | 0.53% | 0.54% | 0.51% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.80% | 22.00% | 21.78% | 21.11% | 21.09% | 21.86% | 22.46% | 22.87% | +175 bps | |
| Net Worth / Assets | 21.80% | 22.00% | 21.78% | 21.11% | 21.09% | 21.86% | 22.46% | 22.87% | +175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.88% | 106.26% | 104.68% | 91.59% | 106.59% | 111.17% | 109.20% | 115.79% | +2,420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bradford, PA · Charter 24857 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.83%
Rank 112 of 1,683
Net Interest Margin
5.31%
Rank 95 of 1,683
Efficiency Ratio
68.97%
Rank 423 of 1,682
Equity / Assets
22.89%
Rank 142 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.83% | 0.35% | 0.74% | 1.18% | Beats 93% | 112 / 1,683 | ||
| Return on Equity | 8.00% | 2.67% | 5.89% | 8.74% | Beats 70% | 509 / 1,681 | ||
| Net Interest Margin | 5.31% | 3.31% | 3.82% | 4.32% | Beats 94% | 95 / 1,683 | ||
| Efficiency Ratio | 68.97% | 68.91% | 78.20% | 86.93% | Beats 75% | 423 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.26% | 0.65% | 1.29% | Beats 86% | 234 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.89% | 10.44% | 12.89% | 16.53% | Beats 92% | 142 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.89% | 10.44% | 12.89% | 16.53% | Beats 92% | 142 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 115.80% | 52.61% | 69.38% | 83.50% | 100th pctl | 7 / 1,683 | ||
| Loans / Assets | 89.29% | 44.71% | 59.18% | 70.72% | 99th pctl | 10 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||