| Metric | B.E.A. Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -1.2% | +0.7% | -1.9 pts |
| Loan growth (YoY) | -19.1% | -2.4% | -16.7 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Q2 2024 | $2.8M | $2.0M | $2.2M | $618K | $12K | 0.86% | 4.08% | 1.63% | 446 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $5K
| Ratio | B.E.A. Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 81.5% | 65th |
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 |
|---|---|---|---|---|
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% |
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