| Metric | Berean Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.6% | +1.3% | -12.9 pts |
| Share growth (YoY) | -2.8% | +0.7% | -3.5 pts |
| Loan growth (YoY) | -15.8% | -2.4% | -13.4 pts |
| ROA | -3.59% | 0.60% | -4.2 pts |
| ROE | -19.3% | 4.1% | -23.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $189K | $152K | $7K | $35K | $-2K | -3.59% | 1.46% | 0.00% | 263 |
| Q4 2025 | $191K | $152K | $9K | $37K | $5K | 2.80% | 1.62% | 0.00% | 263 |
| Q3 2025 | $185K | $143K | $8K | $36K | $4K | 3.10% | 1.64% | 0.00% | 263 |
| Q2 2025 | $211K | $161K | $5K | $35K | $4K | 3.87% | 1.46% | 0.00% | 261 |
| Q1 2025 | $214K | $157K | $8K | $37K | $5K | 9.56% | 1.50% | 2.92% | 261 |
| Q4 2024 | $194K | $146K | $9K | $31K | $6K | 3.25% | 1.52% | 8.09% | 259 |
| Q3 2024 | $183K | $139K | $7K | $31K | $6K | 4.16% | 1.29% | 7.88% | 255 |
| Q2 2024 | $188K | $136K | $8K | $31K | $6K | 5.89% | 1.57% | 0.00% | 255 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7K · securities $43K
| Ratio | Berean Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.59% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -19.3% | 4.1% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 197.9% | 81.5% | 99th |
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 | Berean 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 | Berean 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 | Berean 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 | Berean 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.