PackageTrendsPeer
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Bhcu

Ridley Park, PA · Charter 61387

NCUA · 4 branches

Q2 2026

$276.2MAssets
$208.8MLoans
$241.7MShares
$32.8MNet 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 0.66%, up 19 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.67% of loans (+19 bps YoY).
  • Capital: net worth / assets of 11.88%, down 12 bps from a year ago.
  • Funding: loans stand at 86.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.66%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.04%+41 bps YoY

Efficiency Ratio (YTD, annualized)

82.14%+13 bps YoY

Net Worth / Assets

11.88%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.50%0.52%0.61%0.66%+19 bps
Return on Equity3.93%4.09%4.40%5.12%5.58%+165 bps
Net Interest Margin2.63%2.75%2.78%2.93%3.04%+41 bps
Efficiency Ratio82.01%82.38%81.53%84.70%82.14%+13 bps
Growth
Asset Growth (YoY)6.95%7.94%6.91%4.73%5.29%-167 bps
Loan Growth (YoY)9.53%4.10%7.07%6.82%12.88%+334 bps
Share Growth (YoY)5.38%9.32%6.99%4.41%6.61%+122 bps
Asset Quality
Delinquent Loans / Loans0.49%0.77%0.89%0.90%0.67%+19 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 Capital12.00%12.16%11.90%11.83%11.88%-12 bps
Net Worth / Assets12.00%12.16%11.90%11.83%11.88%-12 bps
Liquidity & Funding
Loans / Shares81.61%80.41%82.01%82.33%86.41%+480 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps