Bethlehem, PA · Charter 716
NCUA · 2 branches
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 PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
10
Profitability
56
Liquidity
23
Efficiency
85
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.
Bethlehem, PA · Charter 716
NCUA · 2 branches
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 | 1.00% | 1.10% | 1.01% | 1.06% | 0.94% | 0.86% | 0.88% | 1.21% | +15 bps | |
| Return on Equity | 8.31% | 9.19% | 8.46% | 8.63% | 7.57% | 7.05% | 7.08% | 9.82% | +119 bps | |
| Net Interest Margin | 3.17% | 3.22% | 3.35% | 3.43% | 3.46% | 3.38% | 3.52% | 3.38% | -5 bps | |
| Efficiency Ratio | 65.81% | 64.43% | 64.11% | 63.11% | 61.44% | 63.41% | 57.31% | 58.62% | -448 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.56% | -1.77% | 1.11% | 2.20% | 4.11% | 6.89% | 5.14% | 8.90% | +670 bps | |
| Loan Growth (YoY) | -3.85% | -4.78% | -7.56% | -6.88% | 12.93% | 13.67% | 10.06% | 5.93% | +1,280 bps | |
| Share Growth (YoY) | -3.28% | -4.62% | -1.65% | -0.27% | 2.35% | 4.13% | 3.74% | 7.70% | +796 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.84% | 0.79% | 0.87% | 0.54% | 0.55% | 0.70% | 2.11% | +124 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 | 12.02% | 11.97% | 11.92% | 12.28% | 12.45% | 12.27% | 12.46% | 12.36% | +8 bps | |
| Net Worth / Assets | 12.02% | 11.97% | 11.92% | 12.28% | 12.45% | 12.27% | 12.46% | 12.36% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.63% | 36.42% | 34.98% | 34.80% | 41.52% | 39.76% | 37.11% | 34.23% | -57 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bethlehem, PA · Charter 716 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
Return on Assets
1.21%
Rank 28 of 72
Net Interest Margin
3.38%
Rank 46 of 72
Efficiency Ratio
58.64%
Rank 12 of 72
Equity / Assets
12.36%
Rank 45 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.59% | 1.06% | 1.40% | Beats 61% | 28 / 72 | ||
| Return on Equity | 9.81% | 5.27% | 7.11% | 9.91% | Beats 72% | 20 / 72 | ||
| Net Interest Margin | 3.38% | 3.09% | 3.57% | 4.10% | Beats 36% | 46 / 72 | ||
| Efficiency Ratio | 58.64% | 64.37% | 73.67% | 81.63% | Beats 85% | 12 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.11% | 0.20% | 0.58% | 1.09% | Beats 10% | 66 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.36% | 10.74% | 12.96% | 16.84% | Beats 38% | 45 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.36% | 10.74% | 12.96% | 16.84% | Beats 38% | 45 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 34.23% | 34.39% | 52.54% | 65.98% | 24th pctl | 55 / 72 | ||
| Loans / Assets | 30.30% | 30.23% | 45.37% | 57.67% | 26th pctl | 53 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||