| Metric | Bse Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +1.3% | -7.4 pts |
| Share growth (YoY) | -7.1% | +0.9% | -8.0 pts |
| Loan growth (YoY) | -1.3% | -2.6% | +1.4 pts |
| ROA | 0.49% | 0.65% | -0.2 pts |
| ROE | 4.9% | 4.4% | +0.5 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.3M | $15.5M | $5.4M | $1.7M | $42K | 0.49% | 4.15% | 0.07% | 2,230 |
| 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 |
| Ratio | Bse Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $17.5M | $15.7M | $6.2M | $1.6M | $22K | 0.25% | 3.22% | 0.08% | 2,436 |
Loan mix (Q2 2026): real estate $2.2M · commercial $0 · consumer $3.1M · securities $11.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 80.6% | 72nd |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Cuyahoga, OH, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 2 | $10.3M* | 0.01% | 47th |
| Montgomery, OH | 1 | $5.2M* | 0.03% | 34th |
Ohio: 342nd with 0.00% · Cleveland metro: 70th, 0.01% · Dayton-Kettering-Beavercreek metro: 41st, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3