PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bucks County Employees

Doylestown, PA · Charter 65411

NCUA · 2 branches

Q2 2026

$39.2MAssets
$1.9MLoans
$34.1MShares
$4.8MNet 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 0.33%, up 8 bps year over year; NIM at 0.89%.
  • Asset quality: problem loans at 0.91% of loans (+18 bps YoY).
  • Capital: net worth / assets of 12.22%, down 5 bps from a year ago.
  • Funding: loans stand at 5.71% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.33%+8 bps YoY

Net Interest Margin (YTD, annualized)

0.89%+9 bps YoY

Efficiency Ratio (YTD, annualized)

63.40%-43 bps YoY

Net Worth / Assets

12.22%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.19%0.20%0.26%0.33%+8 bps
Return on Equity2.01%1.52%1.61%2.09%2.68%+68 bps
Net Interest Margin0.81%0.74%0.75%0.85%0.89%+9 bps
Efficiency Ratio63.83%70.62%70.29%70.23%63.40%-43 bps
Growth
Asset Growth (YoY)-1.19%-0.29%-0.96%0.58%2.38%+357 bps
Loan Growth (YoY)-12.25%-13.85%-12.68%-12.50%-7.76%+449 bps
Share Growth (YoY)-1.67%-0.65%-1.44%0.29%2.37%+404 bps
Asset Quality
Delinquent Loans / Loans0.74%0.69%0.63%0.60%0.91%+18 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 Capital12.26%12.27%12.36%12.23%12.22%-5 bps
Net Worth / Assets12.26%12.27%12.36%12.23%12.22%-5 bps
Liquidity & Funding
Loans / Shares6.33%6.18%6.20%5.75%5.71%-63 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps