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 | |