| Metric | Bse Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -4.4% | +0.7% | -5.0 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -2.0 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.7M | $15.9M | $5.3M | $1.7M | $15K | 0.34% | 3.87% | 0.06% | 2,258 |
| Q4 2025 | $17.6M | $15.8M | $5.5M | $1.7M | $40K | 0.23% | 3.71% | 0.02% | 2,286 |
| Q3 2025 | $17.4M | $15.4M | $5.3M | $1.7M | $40K | 0.31% | 3.68% | 0.03% | 2,299 |
| Q2 2025 | $18.5M | $16.6M | $5.5M | $1.7M | $26K | 0.28% | 3.42% | 0.00% | 2,338 |
| Q1 2025 | $18.4M | $16.6M | $5.5M | $1.7M | $7K | 0.15% | 3.30% | 0.04% | 2,352 |
| Q4 2024 | $17.5M | $15.7M | $5.8M | $1.6M | $62K | 0.35% | 3.35% | 0.03% | 2,377 |
| Q3 2024 | $16.9M | $15.2M | $6.0M | $1.6M | $50K | 0.39% | 3.42% | 0.15% | 2,401 |
| Q2 2024 | $17.5M | $15.7M | $6.2M | $1.6M | $22K | 0.25% | 3.22% | 0.08% | 2,436 |
| Ratio | Bse Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $3.2M · securities $10.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 81.5% | 74th |
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 | Bse 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 | Bse 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 | Bse 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 | Bse 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% |
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