Dow Bucks County 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
$13.4M Assets
$7.9M Loans
$10.6M Shares
$2.8M Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 82% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 9 of 51). Widest gap: net interest margin trails 84% of credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 43 of 51). Overall: at or above the peer median on 4 of 7 directional measures. 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 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (50 to 51 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11