| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +3.9% | +2.3 pts |
| Share growth (YoY) | +7.0% | +3.3% | +3.7 pts |
| Loan growth (YoY) | +5.6% | +2.9% | +2.7 pts |
| ROA | 0.11% | 0.69% | -0.6 pts |
| ROE | 0.9% | 5.9% | -5.0 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $163.8M | $143.4M | $116.4M | $20.3M | $47K | 0.11% | 4.24% | 0.19% | 20,492 |
| Q4 2025 | $162.6M | $141.9M | $117.0M | $20.3M | $554K | 0.34% | 4.27% | 0.13% | 20,521 |
| Q3 2025 | $161.4M | $140.4M | $115.7M | $20.2M | $435K | 0.36% | 4.24% | 0.25% | 20,456 |
| Q2 2025 | $154.8M | $134.1M | $115.5M | $20.0M | $248K | 0.32% | 4.40% | 0.27% | 20,939 |
| Q1 2025 | $154.3M | $134.0M | $110.2M | $19.9M | $107K | 0.28% | 4.37% | 0.31% | 20,866 |
| Q4 2024 | $154.1M | $134.2M | $110.2M | $19.8M | $1.1M | 0.72% | 4.34% | 0.21% | 20,837 |
| Q3 2024 | $153.5M | $133.7M | $109.4M | $19.2M | $452K | 0.39% | 4.33% | 0.16% | 20,810 |
| Q2 2024 | $156.6M | $137.6M | $106.2M | $19.0M | $310K | 0.40% | 4.21% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Bfg Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.69% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.14% |
| 21,541 |
Loan mix (Q1 2026): real estate $29.8M · commercial $0 · consumer $85.9M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 78.7% | 94th |
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 | Bfg 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 | Bfg 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 | Bfg 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 | Bfg 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.