| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +3.9% | -5.8 pts |
| Share growth (YoY) | -1.1% | +3.3% | -4.4 pts |
| Loan growth (YoY) | -5.3% | +2.9% | -8.3 pts |
| ROA | 0.23% | 0.69% | -0.5 pts |
| ROE | 1.8% | 5.9% | -4.2 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $130.5M | $114.3M | $107.9M | $17.3M | $76K | 0.23% | 3.01% | 0.37% | 6,441 |
| Q4 2025 | $121.9M | $104.5M | $109.8M | $17.2M | $-58K | -0.05% | 3.15% | 0.42% | 6,482 |
| Q3 2025 | $123.0M | $105.4M | $111.5M | $17.1M | $-140K | -0.15% | 3.07% | 0.50% | 6,499 |
| Q2 2025 | $125.5M | $107.9M | $112.8M | $17.1M | $-139K | -0.22% | 2.93% | 0.12% | 6,514 |
| Q1 2025 | $133.0M | $115.5M | $114.0M | $17.2M | $-70K | -0.21% | 2.62% | 0.22% | 6,687 |
| Q4 2024 | $130.2M | $112.9M | $115.6M | $17.3M | $24K | 0.02% | 2.57% | 0.17% | 6,745 |
| Q3 2024 | $132.0M | $114.5M | $114.6M | $17.3M | $35K | 0.04% | 2.50% | 0.11% | 6,741 |
| Q2 2024 | $130.2M | $108.4M | $115.3M | $17.4M | $108K | 0.17% | 2.52% |
| Ratio | Bp Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.69% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 6,695 |
Loan mix (Q1 2026): real estate $84.1M · commercial $5.5M · consumer $14.9M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 78.7% | 85th |
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 | Bp 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 | Bp 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 | Bp 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 | Bp 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.