BRADFORD AREA
Charter #13823 · BRADFORD, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.78% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.75% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.45% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 38th — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BRADFORD AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.86M | 9th pct | 38th pct |
| Members | 1,386 | 20th pct | 48th pct |
| Net worth ratio | 13.09% | 45th pct | 38th pct |
| Return on average assets | 0.40% | 36th pct | 36th pct |
| Net interest margin | 2.78% | 11th pct | 11th pct |
| Cost of funds | 2.75% | 97th pct | 92th pct |
| Loan-to-share | 62.24% | 58th pct | 54th pct |
| Delinquency 60+ days | 0.57% | 49th pct | 52th pct |
| Net charge-off ratio | -0.45% | 2th pct | 3th pct |
| Loan growth YoY | -3.28% | 43th pct | 43th pct |
| Share growth YoY | -1.68% | 14th pct | 15th pct |
| Efficiency ratio | 84.72% | 61th pct | 62th pct |
structural peer set hash: 3279adb7d433410bc93071ebdb828522… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.