Benton County Schools Credit Union

Credit UnionFISCUCorvallis, OR·Est. 1953·NCUA #64059Compare ⇄▤ Account brief

Total assets

$70.8M

▲ +3.6% YoY

Shares & deposits

$63.3M

▲ +3.4% YoY

Loans

$33.9M

▲ +3.7% YoY

Members

2,351

▲ +6.2% YoY

ROA (annualized)

0.34%

peers 0.60%

ROE (annualized)

3.28%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+3.6%	+1.3%	+2.3 pts
Share growth (YoY)	+3.4%	+0.7%	+2.7 pts
Loan growth (YoY)	+3.7%	-2.4%	+6.1 pts
ROA	0.34%	0.60%	-0.3 pts
ROE	3.3%	4.1%	-0.8 pts

ROA ranks in the 37th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$70.8M	$63.3M	$33.9M	$7.3M	$60K	0.34%	2.46%	0.65%	2,351
Q4 2025	$70.1M	$62.7M	$33.7M	$7.2M	$440K	0.63%	2.50%	0.03%	2,347
Q3 2025	$70.7M	$63.4M	$34.0M	$7.1M	$325K	0.61%	2.43%	0.02%	2,220
Q2 2025	$69.8M	$62.6M	$33.4M	$7.0M	$197K	0.56%	2.37%	0.10%	2,218
Q1 2025	$68.4M	$61.3M	$32.6M	$6.9M	$94K	0.55%	2.36%	0.11%	2,214
Q4 2024	$67.7M	$60.7M	$32.0M	$6.8M	$416K	0.61%	2.35%	0.00%	2,217
Q3 2024	$68.4M	$61.4M	$31.6M	$6.7M	$305K	0.59%	2.28%	0.03%	2,215
Q2 2024	$68.3M	$61.5M	$31.9M	$6.5M	$176K	0.52%	2.22%	0.00%

Delinquency up·Delinquency up 0.54 pts YoY — Credit stress; collections and risk analytics get budget

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.34%	0.60%	37th
Return on equity Annualized net income ÷ equity or net worth	3.3%	4.1%	44th
Net interest margin Interest income − interest expense, ÷ assets	2.46%	3.83%

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Peer lists, growth filters, CSV export, CRM push.

Ratio	Value	Peer median
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	Value	Peer median
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	Value	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%