BRADFORD AREA SCHOOL EMPLOYEES
Charter #24857 · Bradford, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 263 sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 2.05% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.17% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.75% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.09M | 19th pct | 5th pct |
| Members | 263 | 21th pct | 10th pct |
| Net worth ratio | 22.46% | 67th pct | 62th pct |
| Return on average assets | 2.05% | 91th pct | 92th pct |
| Net interest margin | 5.17% | 81th pct | 85th pct |
| Cost of funds | 0.25% | 36th pct | 28th pct |
| Loan-to-share | 109.20% | 96th pct | 89th pct |
| Delinquency 60+ days | 1.27% | 58th pct | 67th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | -1.27% | 68th pct | 62th pct |
| Share growth YoY | -3.63% | 24th pct | 18th pct |
| Efficiency ratio | 60.75% | 16th pct | 8th pct |
structural peer set hash: 130bdbe742b71dd1247f14cbb55f907e… (reproducible)
Closest structural peers
This is the free public view
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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.