Bluescope Employees' Credit Union
Total assets
$738K
▼ -40.9% YoY
Shares & deposits
$673K
▼ -38.9% YoY
Loans
$462K
▼ -24.4% YoY
Members
282
▼ -26.6% YoY
ROA (annualized)
-45.52%
peers 0.60%
ROE (annualized)
-564.89%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -40.9% | +1.3% | -42.2 pts |
| Share growth (YoY) | -38.9% | +0.7% | -39.6 pts |
| Loan growth (YoY) | -24.4% | -2.4% | -22.1 pts |
| ROA | -45.52% | 0.60% | -46.1 pts |
| ROE | -564.9% | 4.1% | -569.0 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
Profile
- Established
- 1937
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- Po Box 419917, Kansas City, MO, 64141
- NCUA charter #
- 64777
- RSSD ID
- 748991
- 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 | $738K | $673K | $462K | $60K | $-84K | -45.52% | -2.08% | 0.00% | 282 |
| Q4 2025 | $1.1M | $995K | $525K | $144K | $-2K | -0.21% | 5.66% | 4.50% | 353 |
| Q3 2025 | $1.2M | $1.1M | $603K | $147K | $834 | 0.09% | 5.42% | 2.82% | 730 |
| Q2 2025 | $1.3M | $1.1M | $651K | $148K | $3K | 0.40% | 5.35% | 1.31% | 729 |
| Q1 2025 | $1.3M | $1.1M | $612K | $147K | $675 | 0.22% | 5.44% | 0.36% | 384 |
| Q4 2024 | $1.3M | $1.2M | $665K | $146K | $-770 | -0.06% | 5.53% | 1.61% | 383 |
| Q3 2024 | $1.4M | $1.3M | $707K | $150K | $3K | 0.31% | 5.10% | 0.31% | 378 |
| Q2 2024 | $1.5M | $1.3M | $751K | $149K | $3K | 0.34% | 4.94% | 0.00% | 384 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $460K · securities $12K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -45.52% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | -564.9% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | -2.08% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — | 81.5% | — | |
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 | Value | 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 | Value | 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 | Value | 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 | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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