| Metric | B.E.A. Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -1.5% | +0.9% | -2.5 pts |
| Loan growth (YoY) | -20.9% | -2.6% | -18.3 pts |
| ROA | 0.28% | 0.65% | -0.4 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.4M | $1.7M | $1.6M | $635K | $3K | 0.28% | 4.49% | 5.12% | 419 |
| Q1 2026 | $2.3M | $1.7M | $1.7M | $635K | $3K | 0.56% | 4.40% | 1.99% | 423 |
| Q4 2025 | $2.3M | $1.6M | $1.8M | $632K | $13K | 0.55% | 5.26% | 3.09% | 423 |
| Q3 2025 | $2.3M | $1.6M | $2.0M | $642K | $23K | 1.32% | 5.27% | 2.82% | 426 |
| Q2 2025 | $2.5M | $1.8M | $2.0M | $637K | $18K | 1.46% | 5.14% | 3.02% | 429 |
| Q1 2025 | $2.4M | $1.7M | $2.1M | $629K | $10K | 1.62% | 5.15% | 2.53% | 429 |
| Q4 2024 | $2.5M | $1.8M | $2.1M | $619K | $13K | 0.52% | 4.53% | 2.05% | 429 |
| Q3 2024 | $2.7M | $1.9M | $2.1M | $623K | $18K | 0.88% | 4.27% | 0.49% | 439 |
| Ratio | B.E.A. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.65% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.8M |
| $2.0M |
| $2.2M |
| $618K |
| $12K |
| 0.86% |
| 4.08% |
| 1.63% |
| 446 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.6M · securities $5K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.0% | 80.6% | 79th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | B.E.A. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | B.E.A. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | B.E.A. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | B.E.A. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | B.E.A. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Madison, IL, ranked 33rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Madison, IL | 2 | $1.7M* | 0.02% | 33rd |
Illinois: 566th with 0.00% · St. Louis metro: 142nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2