Bethlehem 1st
Bethlehem, PA · Charter 716 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
$75.7MAssets
$22.9MLoans
$67.0MShares
$9.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 85% of credit unions under $1B in assets in PA (rank 12 of 72).
- Widest gap: nonperforming loans / loans trails 90% of credit unions under $1B in assets in PA (rank 66 of 72).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |