| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -1.3% | +0.7% | -1.9 pts |
| Loan growth (YoY) | +3.1% | -2.4% | +5.5 pts |
| ROA | 1.05% | 0.60% | +0.4 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.3M | $37.0M | $22.4M | $5.2M | $111K | 1.05% | 4.12% | 0.67% | 4,723 |
| Q4 2025 | $41.9M | $36.7M | $21.8M | $5.1M | $464K | 1.11% | 4.12% | 1.00% | 4,719 |
| Q3 2025 | $42.0M | $36.9M | $21.7M | $5.2M | $412K | 1.31% | 4.25% | 1.49% | 4,733 |
| Q2 2025 | $42.5M | $37.5M | $21.4M | $5.1M | $295K | 1.39% | 4.28% | 1.22% | 4,720 |
| Q1 2025 | $42.4M | $37.4M | $21.7M | $5.0M | $146K | 1.38% | 4.21% | 1.31% | 4,840 |
| Q4 2024 | $42.7M | $37.9M | $21.6M | $4.8M | $587K | 1.37% | 3.83% | 2.04% | 4,830 |
| Q3 2024 | $44.6M | $40.0M | $21.9M | $4.8M | $444K | 1.33% | 3.63% | 1.45% | 4,822 |
| Q2 2024 | $46.5M | $42.0M | $21.4M | $4.6M | $235K | 1.01% | 3.34% | 1.67% |
| Ratio | Bcm Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,827 |
Loan mix (Q1 2026): real estate $8.7M · commercial $0 · consumer $13.3M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 81.5% | 41th |
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 | Bcm 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 | Bcm 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 | Bcm 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 | Bcm 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% |
The full ratio pack is part of CharterBench Pro.