Bessemer System
Greenville, PA · Charter 4982 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
$47.3MAssets
$7.3MLoans
$41.7MShares
$5.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 55% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 28 of 60).
- Widest gap: net interest margin trails 80% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 48 of 60).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.74%
Rank 35 of 60
Net Interest Margin
2.89%
Rank 48 of 60
Efficiency Ratio
74.75%
Rank 28 of 60
Equity / Assets
11.73%
Rank 38 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.35% | 0.84% | 1.37% | Beats 42% | 35 / 60 | | |
| Return on Equity | 6.28% | 2.76% | 6.36% | 10.04% | Beats 48% | 31 / 60 | | |
| Net Interest Margin | 2.89% | 3.02% | 3.63% | 4.05% | Beats 20% | 48 / 60 | | |
| Efficiency Ratio | 74.75% | 67.68% | 77.48% | 89.33% | Beats 55% | 28 / 60 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.32% | 0.64% | 1.44% | Beats 50% | 31 / 60 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.73% | 10.72% | 13.16% | 17.68% | Beats 37% | 38 / 60 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.73% | 10.72% | 13.16% | 17.68% | Beats 37% | 38 / 60 | | |
| Liquidity & Funding |
| Loans / Deposits | 17.53% | 43.79% | 55.03% | 72.55% | 3rd pctl | 58 / 60 | | |
| Loans / Assets | 15.47% | 36.50% | 47.22% | 58.67% | 3rd pctl | 58 / 60 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |