| Metric | B&V Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -5.6% | +0.9% | -6.5 pts |
| Loan growth (YoY) | -14.4% | -2.6% | -11.8 pts |
| ROA | 1.34% | 0.65% | +0.7 pts |
| ROE | 7.1% | 4.4% | +2.7 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.6M | $34.3M | $13.5M | $8.1M | $285K | 1.34% | 2.48% | 0.84% | 4,324 |
| Q1 2026 | $43.0M | $34.8M | $13.3M | $8.0M | $205K | 1.91% | 2.34% | 1.09% | 4,438 |
| Q4 2025 | $41.9M | $33.9M | $14.5M | $7.8M | $258K | 0.62% | 2.01% | 0.93% | 4,464 |
| Q3 2025 | $42.0M | $34.0M | $15.2M | $7.7M | $202K | 0.64% | 1.94% | 0.95% | 4,532 |
| Q2 2025 | $44.1M | $36.3M | $15.7M | $7.5M | $5K | 0.02% | 1.75% | 1.58% | 4,560 |
| Q1 2025 | $44.5M | $36.8M | $16.1M | $7.5M | $-19K | -0.17% | 1.60% | 1.16% | 4,699 |
| Q4 2024 | $46.7M | $39.0M | $17.5M | $7.5M | $-308K | -0.66% | 1.26% | 0.81% | 4,721 |
| Q3 2024 | $48.5M | $40.5M | $17.7M | $7.6M | $-258K | -0.71% | 1.13% | 1.23% |
| Ratio | B&V Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.65% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,734 |
| Q2 2024 | $49.2M | $41.3M | $18.8M | $7.6M | $-244K | -0.99% | 1.05% | 2.01% | 4,758 |
Loan mix (Q2 2026): real estate $5.6M · commercial $0 · consumer $7.7M · securities $26.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 80.6% | 32nd |
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&V 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&V 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&V 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&V 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&V 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.
3 branches in 3 counties across 3 states (+2 vs 2025). Biggest market: Jackson, MO, ranked 57th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MO | 1 | $11.4M* | 0.02% | 57th |
| Salt Lake, UT | 1 | $11.4M* | 0.00% | 107th |
| Johnson, KS | 1 | $11.4M* | 0.04% | 69th |
Kansas: 279th with 0.01% · Utah: 134th with 0.00% · Missouri: 328th with 0.00% · Kansas City metro: 130th, 0.02% · Salt Lake City-Murray metro: 107th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3