Bristol, PA · Charter 61101
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 in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50 to 51). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
78
Profitability
48
Liquidity
100
Efficiency
70
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.
Bristol, PA · Charter 61101
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.90% | 0.84% | 0.44% | 0.61% | -42 bps | |
| Return on Equity | 8.58% | 7.99% | 6.97% | 3.72% | 5.22% | -335 bps | |
| Net Interest Margin | 3.04% | 2.77% | 2.98% | 2.91% | 2.96% | -7 bps | |
| Efficiency Ratio | 70.97% | 72.82% | 75.56% | 73.77% | 76.06% | +508 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.85% | 8.18% | 4.65% | 4.84% | 6.93% | +208 bps | |
| Loan Growth (YoY) | -0.29% | -4.89% | -7.59% | -7.78% | -5.72% | -543 bps | |
| Share Growth (YoY) | 4.18% | 8.18% | 3.99% | 4.61% | 7.36% | +318 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.08% | 0.04% | 0.63% | 0.16% | +8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.06% | 11.22% | 12.09% | 11.91% | 11.75% | -32 bps | |
| Net Worth / Assets | 12.06% | 11.22% | 12.09% | 11.91% | 11.75% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.03% | 51.26% | 54.35% | 52.02% | 50.95% | -707 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bristol, PA · Charter 61101 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 1 branch
Q2 2026
Return on Assets
0.61%
Rank 20 of 51
Net Interest Margin
2.96%
Rank 39 of 51
Efficiency Ratio
76.08%
Rank 16 of 50
Equity / Assets
11.75%
Rank 32 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | -0.05% | 0.48% | 0.90% | Beats 61% | 20 / 51 | |
| Return on Equity | 5.23% | -0.58% | 4.00% | 6.90% | Beats 59% | 21 / 51 | |
| Net Interest Margin | 2.96% | 2.96% | 3.44% | 3.98% | Beats 24% | 39 / 51 | |
| Efficiency Ratio | 76.08% | 73.91% | 81.87% | 94.16% | Beats 70% | 16 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.19% | 0.96% | 1.83% | Beats 78% | 12 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.75% | 10.44% | 12.55% | 18.48% | Beats 37% | 32 / 51 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.75% | 10.44% | 12.55% | 18.48% | Beats 37% | 32 / 51 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.95% | 28.84% | 50.95% | 65.41% | 49th pctl | 26 / 51 | |
| Loans / Assets | 44.96% | 20.51% | 39.58% | 57.94% | 57th pctl | 22 / 51 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||