Bradford Area School Employees

Bradford, PA · 1 · Charter #24857 · www.basecu.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
$1.1M
8th percentile
Members
263
9th percentile
Total loans
$951.0K
14th percentile
Total shares
$855.4K
8th percentile

Profitability

Return on assets
1.26%
70th percentile
Net interest margin
4.70%
76th percentile
Efficiency ratio
70.77%
41th percentile
Non-interest income ratio
1.55%
17th percentile

Capital & Risk

Net worth ratio
21.86%
80th percentile
Delinquency rate
0.14%
75th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
111.17%
97th percentile

Growth

Member growth YoY
-2.59%
37th percentile
Asset growth YoY
6.80%
83th percentile
Loan growth YoY
11.85%
91th percentile
Share growth YoY
6.90%
84th percentile

Operations

Members / branch
132
4th percentile
Assets / member
$4,171
12th percentile
Field of membership penetration
21.92%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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