| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.1 pts |
| Share growth (YoY) | +0.1% | +0.9% | -0.9 pts |
| Loan growth (YoY) | -11.0% | -2.6% | -8.4 pts |
| ROA | -0.10% | 0.65% | -0.8 pts |
| ROE | -0.5% | 4.4% | -4.9 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.9M | $6.2M | $2.7M | $1.7M | $-4K | -0.10% | 3.94% | 2.88% | 996 |
| Q1 2026 | $7.8M | $6.0M | $2.8M | $1.7M | $-7K | -0.34% | 4.01% | 2.47% | 996 |
| Q4 2025 | $7.7M | $6.0M | $2.9M | $1.7M | $15K | 0.19% | 4.23% | 2.77% | 1,015 |
| Q3 2025 | $7.7M | $6.0M | $3.0M | $1.7M | $-15K | -0.26% | 3.96% | 2.37% | 996 |
| Q2 2025 | $7.9M | $6.2M | $3.0M | $1.7M | $4K | 0.09% | 4.16% | 3.27% | 1,014 |
| Q1 2025 | $7.8M | $6.1M | $3.0M | $1.7M | $5K | 0.24% | 4.09% | 5.65% | 1,032 |
| Q4 2024 | $7.7M | $6.0M | $3.1M | $1.7M | $6K | 0.07% | 3.81% | 4.67% | 1,023 |
| Q3 2024 | $7.9M | $6.1M | $3.0M | $1.7M | $11K | 0.19% | 3.41% | 3.42% | 1,014 |
| Ratio | Bee Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.10% | 0.65% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -0.5% | 4.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.3M | $6.3M | $2.9M | $1.7M | $16K | 0.40% | 3.50% | 1.29% | 998 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 80.6% | 54th |
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 | Bee 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 | Bee Federal 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 | Bee 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 | Bee 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 | Bee 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Wicomico, MD, ranked 12th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wicomico, MD | 1 | $6.2M* | 0.24% | 12th |
Maryland: 142nd with 0.00% · Salisbury metro: 12th, 0.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1