Bradford Area School Employees
Bradford, PA · Charter 24857 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$1.1MAssets
$975KLoans
$842KShares
$250KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets (rank 95 of 1683).
- Widest gap: return on equity trails 30% of credit unions under $1B in assets (rank 509 of 1681).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 |