Befit Financial
Vacaville, CA · Charter 11943 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$38.2MAssets
$19.0MLoans
$34.1MShares
$3.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 57% of credit unions under $1B in assets in CA (rank 27 of 63).
- Widest gap: nonperforming loans / loans trails 87% of credit unions under $1B in assets in CA (rank 55 of 62).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.30%
Rank 45 of 63
Net Interest Margin
3.72%
Rank 27 of 63
Efficiency Ratio
90.79%
Rank 52 of 63
Equity / Assets
10.02%
Rank 35 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.17% | 0.56% | 1.17% | Beats 29% | 45 / 63 | | |
| Return on Equity | 2.98% | 1.81% | 4.79% | 8.64% | Beats 30% | 44 / 63 | | |
| Net Interest Margin | 3.72% | 3.18% | 3.49% | 3.98% | Beats 57% | 27 / 63 | | |
| Efficiency Ratio | 90.79% | 70.58% | 81.25% | 89.21% | Beats 19% | 52 / 63 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.20% | 0.17% | 0.42% | 0.85% | Beats 13% | 55 / 62 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.02% | 8.61% | 10.56% | 14.01% | Beats 44% | 35 / 63 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.02% | 8.61% | 10.56% | 14.01% | Beats 44% | 35 / 63 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.70% | 53.46% | 72.75% | 85.33% | 31st pctl | 43 / 62 | | |
| Loans / Assets | 49.72% | 46.35% | 58.08% | 72.17% | 33rd pctl | 42 / 63 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |