| Metric | Bhcu Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +3.9% | +0.8 pts |
| Share growth (YoY) | +4.4% | +3.3% | +1.1 pts |
| Loan growth (YoY) | +6.8% | +2.9% | +3.9 pts |
| ROA | 0.61% | 0.69% | -0.1 pts |
| ROE | 5.1% | 5.9% | -0.8 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $273.0M | $238.7M | $196.5M | $32.3M | $414K | 0.61% | 2.93% | 0.90% | 8,933 |
| Q4 2025 | $268.0M | $233.8M | $191.7M | $31.9M | $1.4M | 0.52% | 2.78% | 0.89% | 8,858 |
| Q3 2025 | $261.8M | $228.7M | $183.9M | $31.8M | $975K | 0.50% | 2.75% | 0.77% | 8,744 |
| Q2 2025 | $262.3M | $226.7M | $185.0M | $31.5M | $619K | 0.47% | 2.63% | 0.49% | 8,780 |
| Q1 2025 | $260.6M | $228.6M | $183.9M | $31.0M | $105K | 0.16% | 2.49% | 0.59% | 8,772 |
| Q4 2024 | $250.7M | $218.5M | $179.1M | $30.9M | $1.0M | 0.41% | 2.49% | 0.28% | 8,724 |
| Q3 2024 | $242.6M | $209.2M | $176.6M | $30.9M | $864K | 0.47% | 2.52% | 0.43% | 8,699 |
| Q2 2024 | $245.3M | $215.1M | $168.9M | $30.4M | $398K | 0.32% | 2.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Bhcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.69% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.68% |
| 8,579 |
Loan mix (Q1 2026): real estate $131.2M · commercial $50.3M · consumer $12.9M · securities $36.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 78.7% | 71st |
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 | Bhcu 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 | Bhcu 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 | Bhcu 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 | Bhcu 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 | Bhcu 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.
4 branches in 2 counties across 1 state (+1 vs 2024). Biggest market: Delaware, PA, ranked 18th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Delaware, PA | 3 | $170.0M* | 0.87% | 18th |
| Chester, PA | 1 | $56.7M* | 0.28% | 30th |
Pennsylvania: 144th with 0.04% · Philadelphia-Camden-Wilmington metro: 70th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 4