BETHLEHEM 1ST
Charter #716 · Bethlehem, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Efficiency ratio of 57.31% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 62nd — a 22-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 | BETHLEHEM 1ST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $73.17M | 53th pct | 49th pct |
| Members | 4,250 | 32th pct | 39th pct |
| Net worth ratio | 12.46% | 46th pct | 52th pct |
| Return on average assets | 0.89% | 61th pct | 62th pct |
| Net interest margin | 3.53% | 40th pct | 62th pct |
| Cost of funds | 0.90% | 49th pct | 51th pct |
| Loan-to-share | 37.11% | 10th pct | 16th pct |
| Delinquency 60+ days | 0.70% | 55th pct | 66th pct |
| Net charge-off ratio | 0.32% | 58th pct | 67th pct |
| Loan growth YoY | -6.96% | 9th pct | 8th pct |
| Share growth YoY | 4.10% | 66th pct | 67th pct |
| Efficiency ratio | 57.31% | 9th pct | 8th pct |
structural peer set hash: 6b192faae8d323599bf3664c7917bad7… (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.