Bee Federal Credit Union
Total assets
$7.8M
▼ -1.1% YoY
Shares & deposits
$6.0M
▼ -1.5% YoY
Loans
$2.8M
▼ -7.5% YoY
Members
996
▼ -3.5% YoY
ROA (annualized)
-0.34%
peers 0.60%
ROE (annualized)
-1.55%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.1 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.1 pts |
| ROA | -0.34% | 0.60% | -0.9 pts |
| ROE | -1.5% | 4.1% | -5.6 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 1414 S Division St, Salisbury, MD, 21804
- NCUA charter #
- 9893
- RSSD ID
- 3588
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Q2 2024 | $8.3M | $6.3M | $2.9M | $1.7M | $16K | 0.40% | 3.50% | 1.29% | 998 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.8M · securities $4.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Bee Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.34% | 0.60% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.5% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.5% | 81.5% | 59th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
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