Bradford Area

BRADFORD, PA · 1 · Charter #13823 · www.bradfordareafcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$11.6M
46th percentile
Members
1,398
49th percentile
Total loans
$6.5M
52th percentile
Total shares
$10.1M
48th percentile

Profitability

Return on assets
0.09%
19th percentile
Net interest margin
2.61%
10th percentile
Efficiency ratio
51.56%
81th percentile
Non-interest income ratio
3.54%
27th percentile

Capital & Risk

Net worth ratio
13.25%
39th percentile
Delinquency rate
0.62%
54th percentile
Net charge-off rate
0.13%
58th percentile
Loan-to-share
64.74%
56th percentile

Growth

Member growth YoY
-0.71%
58th percentile
Asset growth YoY
1.07%
50th percentile
Loan growth YoY
10.97%
90th percentile
Share growth YoY
1.10%
54th percentile

Operations

Members / branch
no peer data
Assets / member
$8,327
42th percentile
Field of membership penetration
41.12%
56th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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