Bmi Federal Credit Union
Total assets
$730.7M
▲ +1.1% YoY
Shares & deposits
$621.6M
▲ +2.1% YoY
Loans
$527.2M
▼ -0.9% YoY
Members
46,810
▲ +1.4% YoY
ROA (annualized)
0.62%
peers 0.62%
ROE (annualized)
6.05%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.8% | -3.7 pts |
| Share growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| Loan growth (YoY) | -0.9% | +4.3% | -5.2 pts |
| ROA | 0.62% | 0.62% | -0.0 pts |
| ROE | 6.0% | 5.9% | +0.1 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 6165 Emerald Pkwy, Dublin, OH, 43016
- NCUA charter #
- 1199
- RSSD ID
- 833178
- 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 | $730.7M | $621.6M | $527.2M | $74.5M | $1.1M | 0.62% | 3.01% | 0.40% | 46,810 |
| Q4 2025 | $723.8M | $614.4M | $533.0M | $73.4M | $4.0M | 0.55% | 2.75% | 0.50% | 46,820 |
| Q3 2025 | $709.4M | $603.2M | $538.2M | $72.1M | $2.4M | 0.44% | 2.74% | 0.46% | 46,644 |
| Q2 2025 | $703.5M | $599.1M | $537.0M | $71.0M | $1.2M | 0.34% | 2.68% | 0.34% | 46,481 |
| Q1 2025 | $722.9M | $608.6M | $531.9M | $70.3M | $467K | 0.26% | 2.51% | 0.42% | 46,158 |
| Q4 2024 | $720.3M | $600.1M | $524.2M | $69.8M | $7.3M | 1.02% | 2.23% | 0.40% | 45,797 |
| Q3 2024 | $710.2M | $590.3M | $529.0M | $69.4M | $6.6M | 1.24% | 2.19% | 0.37% | 45,693 |
| Q2 2024 | $708.9M | $587.5M | $535.8M | $68.5M | $5.7M | 1.61% | 2.13% | 0.25% | 45,578 |
Loan mix (Q1 2026): real estate $314.7M · commercial $0 · consumer $191.5M · securities $119.4M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Bmi Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.62% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.48% | 22th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 78.3% | 34th | |
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 | Bmi 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% |
Capital
| Ratio | Bmi 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% |
Credit quality
| Ratio | Bmi 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% |
Franchise
| Ratio | Bmi 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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