| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +1.3% | -6.5 pts |
| Share growth (YoY) | -8.6% | +0.7% | -9.3 pts |
| Loan growth (YoY) | -28.5% | -2.4% | -26.2 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.0M | $1.9M | $541K | $1.1M | $5K | 0.71% | 3.09% | 3.63% | 301 |
| Q4 2025 | $3.1M | $2.0M | $617K | $1.1M | $13K | 0.43% | 3.54% | 5.27% | 310 |
| Q3 2025 | $3.1M | $2.0M | $726K | $1.1M | $21K | 0.89% | 3.66% | 4.56% | 314 |
| Q2 2025 | $3.2M | $2.1M | $714K | $1.1M | $14K | 0.85% | 3.58% | 12.17% | 321 |
| Q1 2025 | $3.2M | $2.1M | $757K | $1.1M | $10K | 1.21% | 3.67% | 7.02% | 321 |
| Q4 2024 | $3.2M | $2.1M | $864K | $1.1M | $10K | 0.32% | 4.38% | 6.00% | 324 |
| Q3 2024 | $3.2M | $2.1M | $876K | $1.1M | $7K | 0.29% | 4.39% | 5.50% | 347 |
| Q2 2024 | $3.4M | $2.3M | $928K | $1.1M | $1K | 0.09% | 4.32% | 5.69% | 355 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $482K · securities $978K
| Ratio | B I Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 119.1% | 81.5% | 94th |
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 I Federal 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 I Federal 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 I Federal 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 I Federal 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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