Bothwell Hospital Employees Credit Union
Total assets
$1.6M
▼ -13.9% YoY
Shares & deposits
$1.5M
▼ -10.0% YoY
Loans
$1.2M
▼ -23.2% YoY
Members
896
▲ +198.7% YoY
ROA (annualized)
-9.32%
peers 0.60%
ROE (annualized)
-190.43%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.9% | +1.3% | -15.2 pts |
| Share growth (YoY) | -10.0% | +0.7% | -10.7 pts |
| Loan growth (YoY) | -23.2% | -2.4% | -20.9 pts |
| ROA | -9.32% | 0.60% | -9.9 pts |
| ROE | -190.4% | 4.1% | -194.5 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
Profile
- Established
- 1972
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- 600 E 13Th St, Sedalia, MO, 65301
- NCUA charter #
- 61268
- RSSD ID
- 127596
- 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 | $1.6M | $1.5M | $1.2M | $79K | $-37K | -9.32% | 6.55% | 10.60% | 896 |
| Q4 2025 | $1.7M | $1.5M | $1.4M | $133K | $-36K | -2.20% | 6.83% | 2.29% | 882 |
| Q3 2025 | $1.8M | $1.6M | $1.4M | $154K | $-15K | -1.16% | 6.41% | 2.34% | 854 |
| Q2 2025 | $1.9M | $1.7M | $1.5M | $172K | $3K | 0.28% | 6.03% | 0.00% | 891 |
| Q1 2025 | $1.9M | $1.7M | $1.5M | $168K | $-2K | -0.50% | 6.01% | 4.53% | 300 |
| Q4 2024 | $1.8M | $1.7M | $1.5M | $174K | $11K | 0.59% | 6.17% | 4.63% | 891 |
| Q3 2024 | $2.0M | $1.8M | $1.6M | $173K | $9K | 0.63% | 5.70% | 0.28% | 890 |
| Q2 2024 | $2.2M | $2.0M | $1.6M | $170K | $7K | 0.62% | 5.09% | 0.00% | 886 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $993K · securities $13K
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 | -9.32% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | -190.4% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 6.55% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 206.1% | 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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