PackageTrendsPeer
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Bessemer System

Greenville, PA · Charter 4982

NCUA · 1 branch

Q2 2026

$47.3MAssets
$7.3MLoans
$41.7MShares
$5.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.74%, up 43 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.65% of loans (+32 bps YoY).
  • Capital: net worth / assets of 11.73%, up 48 bps from a year ago.
  • Funding: loans stand at 17.53% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.74%+43 bps YoY

Net Interest Margin (quarter, annualized)

2.89%+46 bps YoY

Efficiency Ratio (quarter, annualized)

74.74%-945 bps YoY

Net Worth / Assets

11.73%+48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.55%0.72%0.70%0.74%+43 bps
Return on Equity2.68%4.84%6.31%6.05%6.27%+359 bps
Net Interest Margin2.43%2.51%2.59%2.76%2.89%+46 bps
Efficiency Ratio84.18%78.35%74.23%74.01%74.74%-945 bps
Growth
Asset Growth (YoY)3.37%5.56%6.69%3.48%3.89%+52 bps
Loan Growth (YoY)-28.75%-29.20%-28.87%-29.21%-26.58%+217 bps
Share Growth (YoY)3.40%5.70%6.69%2.93%3.26%-13 bps
Asset Quality
Delinquent Loans / Loans0.33%0.44%1.19%0.26%0.65%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.25%11.37%11.49%11.48%11.73%+48 bps
Net Worth / Assets11.25%11.37%11.49%11.48%11.73%+48 bps
Liquidity & Funding
Loans / Shares24.66%22.62%20.89%18.51%17.53%-713 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps