BUCKS COUNTY EMPLOYEES
Charter #65411 · Doylestown, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.26% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 0.86% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.92% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.12% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 59th — a 21-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 | BUCKS COUNTY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $38.79M | 80th pct | 59th pct |
| Members | 1,574 | 27th pct | 34th pct |
| Net worth ratio | 12.23% | 39th pct | 36th pct |
| Return on average assets | 0.26% | 29th pct | 25th pct |
| Net interest margin | 0.86% | 1th pct | 3th pct |
| Cost of funds | 2.92% | 98th pct | 90th pct |
| Loan-to-share | 5.75% | 0th pct | 8th pct |
| Delinquency 60+ days | 0.60% | 50th pct | 52th pct |
| Net charge-off ratio | -0.12% | 9th pct | 13th pct |
| Loan growth YoY | -5.57% | 26th pct | 37th pct |
| Share growth YoY | 1.37% | 39th pct | 52th pct |
| Efficiency ratio | 70.23% | 27th pct | 38th pct |
structural peer set hash: 37c0ee6a9bac0bf15bcfc6304d3d0e98… (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.