Brackenridge, PA · Charter 4095
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
91
Asset Quality
100
Profitability
56
Liquidity
28
Efficiency
80
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.
Brackenridge, PA · Charter 4095
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 | 1.38% | 1.33% | 1.81% | 1.80% | 1.68% | 1.38% | 1.15% | 1.30% | -50 bps | |
| Return on Equity | 6.68% | 6.34% | 8.91% | 8.75% | 7.76% | 6.41% | 5.27% | 5.82% | -293 bps | |
| Net Interest Margin | 3.54% | 3.62% | 3.70% | 3.82% | 3.91% | 3.84% | 3.62% | 3.63% | -19 bps | |
| Efficiency Ratio | 61.95% | 61.89% | 53.22% | 55.12% | 55.65% | 59.77% | 69.57% | 65.96% | +1,084 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.14% | -5.06% | 2.15% | 4.71% | 3.37% | 4.15% | -1.22% | -3.17% | -788 bps | |
| Loan Growth (YoY) | 22.06% | 13.59% | 8.51% | 5.92% | 3.05% | 2.43% | 0.42% | -5.78% | -1,170 bps | |
| Share Growth (YoY) | -5.96% | -3.63% | 0.82% | 3.84% | 2.24% | 3.39% | -3.05% | -5.36% | -920 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.31% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.73% | 21.05% | 20.33% | 20.52% | 21.59% | 21.60% | 21.78% | 22.30% | +178 bps | |
| Net Worth / Assets | 20.73% | 21.05% | 20.33% | 20.52% | 21.59% | 21.60% | 21.78% | 22.30% | +178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.01% | 50.58% | 46.86% | 47.61% | 51.42% | 50.11% | 48.54% | 47.40% | -21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brackenridge, PA · Charter 4095 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.30%
Rank 352 of 1,683
Net Interest Margin
3.64%
Rank 1,002 of 1,683
Efficiency Ratio
66.00%
Rank 329 of 1,682
Equity / Assets
22.30%
Rank 154 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.30% | 0.35% | 0.74% | 1.18% | Beats 79% | 352 / 1,683 | ||
| Return on Equity | 5.82% | 2.67% | 5.89% | 8.74% | Beats 49% | 854 / 1,681 | ||
| Net Interest Margin | 3.64% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,002 / 1,683 | ||
| Efficiency Ratio | 66.00% | 68.91% | 78.20% | 86.93% | Beats 80% | 329 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.30% | 10.44% | 12.89% | 16.53% | Beats 91% | 154 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.30% | 10.44% | 12.89% | 16.53% | Beats 91% | 154 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.40% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,363 / 1,683 | ||
| Loans / Assets | 36.81% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,427 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||