Bull Dog

HAGERSTOWN, MD · 1 · Charter #18868 · www.bdfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$234.2M
97th percentile
Members
21,174
98th percentile
Total loans
$86.1M
68th percentile
Total shares
$211.0M
98th percentile

Profitability

Return on assets
1.82%
88th percentile
Net interest margin
3.74%
54th percentile
Efficiency ratio
56.89%
66th percentile
Non-interest income ratio
24.52%
81th percentile

Capital & Risk

Net worth ratio
12.01%
47th percentile
Delinquency rate
1.55%
16th percentile
Net charge-off rate
0.95%
12th percentile
Loan-to-share
40.80%
9th percentile

Growth

Member growth YoY
-1.13%
44th percentile
Asset growth YoY
4.79%
59th percentile
Loan growth YoY
4.26%
67th percentile
Share growth YoY
0.71%
28th percentile

Operations

Members / branch
3,529
59th percentile
Assets / member
$11,062
21th percentile
Field of membership penetration
13.23%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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