| Metric | Baptist Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.6 pts |
| Loan growth (YoY) | +7.7% | -2.4% | +10.1 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $55.4M | $50.3M | $41.1M | $4.8M | $63K | 0.46% | 4.04% | 0.26% | 7,547 |
| Q4 2025 | $53.9M | $48.7M | $41.0M | $4.7M | $685K | 1.27% | 4.10% | 0.09% | 7,772 |
| Q3 2025 | $53.1M | $47.9M | $40.7M | $4.7M | $536K | 1.35% | 4.10% | 0.37% | 7,778 |
| Q2 2025 | $52.5M | $48.0M | $37.8M | $4.2M | $61K | 0.23% | 4.09% | 0.55% | 7,775 |
| Q1 2025 | $52.7M | $48.2M | $38.2M | $4.2M | $20K | 0.15% | 4.03% | 0.40% | 8,075 |
| Q4 2024 | $52.5M | $48.0M | $39.2M | $4.2M | $170K | 0.32% | 4.08% | 0.25% | 8,075 |
| Q3 2024 | $51.8M | $47.3M | $37.0M | $4.1M | $116K | 0.30% | 4.14% | 0.21% | 8,048 |
| Q2 2024 | $50.7M | $46.3M | $37.7M | $4.1M | $105K | 0.41% | 4.25% | 0.23% |
| Ratio | Baptist Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,030 |
Loan mix (Q1 2026): real estate $11.4M · commercial $6.9M · consumer $22.0M · securities $6.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 81.5% | 69th |
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 | Baptist 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 | Baptist 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 | Baptist 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 | Baptist 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.