Bristol, PA · Charter 6150
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
82
Asset Quality
36
Profitability
35
Liquidity
33
Efficiency
50
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 6150
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 | -0.31% | 0.01% | 0.40% | 0.37% | 0.29% | 0.31% | 0.55% | 0.50% | +13 bps | |
| Return on Equity | -1.57% | 0.07% | 1.96% | 1.83% | 1.40% | 1.50% | 2.58% | 2.35% | +52 bps | |
| Net Interest Margin | 1.74% | 1.74% | 2.63% | 2.62% | 2.60% | 2.68% | 2.77% | 2.72% | +11 bps | |
| Efficiency Ratio | 112.92% | 98.65% | 84.93% | 82.16% | 82.51% | 80.39% | 80.22% | 81.67% | -49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | 0.29% | 2.76% | 0.25% | -0.94% | -1.25% | -3.01% | -2.04% | -228 bps | |
| Loan Growth (YoY) | -7.78% | -5.58% | -8.19% | -0.58% | 1.92% | 0.82% | 3.87% | -3.48% | -290 bps | |
| Share Growth (YoY) | -2.48% | 0.54% | 2.09% | -1.06% | -2.22% | -2.29% | -4.34% | -2.97% | -190 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 2.55% | 0.71% | 1.95% | 2.25% | 2.23% | 1.77% | 1.38% | -57 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 | 19.91% | 20.12% | 20.25% | 20.42% | 20.56% | 20.68% | 21.23% | 21.22% | +80 bps | |
| Net Worth / Assets | 19.91% | 20.12% | 20.25% | 20.42% | 20.56% | 20.68% | 21.23% | 21.22% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.92% | 73.15% | 69.96% | 74.99% | 76.01% | 75.48% | 75.97% | 74.59% | -40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bristol, PA · Charter 6150 · 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
0.49%
Rank 25 of 51
Net Interest Margin
2.71%
Rank 43 of 51
Efficiency Ratio
81.87%
Rank 26 of 50
Equity / Assets
21.22%
Rank 9 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.49% | -0.05% | 0.48% | 0.90% | Beats 51% | 25 / 51 | ||
| Return on Equity | 2.32% | -0.58% | 4.00% | 6.90% | Beats 39% | 31 / 51 | ||
| Net Interest Margin | 2.71% | 2.96% | 3.44% | 3.98% | Beats 16% | 43 / 51 | ||
| Efficiency Ratio | 81.87% | 73.91% | 81.87% | 94.16% | Beats 50% | 26 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.38% | 0.19% | 0.96% | 1.83% | Beats 36% | 33 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.22% | 10.44% | 12.55% | 18.48% | Beats 82% | 9 / 51 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.22% | 10.44% | 12.55% | 18.48% | Beats 82% | 9 / 51 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.59% | 28.84% | 50.95% | 65.41% | 80th pctl | 10 / 51 | ||
| Loans / Assets | 58.79% | 20.51% | 39.58% | 57.94% | 78th pctl | 11 / 51 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||