Belpre, OH · Charter 20204
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
21
Profitability
28
Liquidity
14
Efficiency
29
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Belpre, OH · Charter 20204
NCUA · 1 branch
Q1 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.67% | 0.75% | 0.87% | 0.47% | +17 bps | |
| Return on Equity | 1.98% | 3.97% | 4.03% | 4.46% | 2.45% | +47 bps | |
| Net Interest Margin | 2.07% | 2.56% | 2.88% | 3.09% | 2.98% | +91 bps | |
| Efficiency Ratio | 85.30% | 74.06% | 73.84% | 71.86% | 84.14% | -116 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.22% | -18.26% | -25.02% | -24.26% | -16.88% | -166 bps | |
| Loan Growth (YoY) | -12.38% | -19.75% | -15.71% | -10.63% | -12.57% | -19 bps | |
| Share Growth (YoY) | -20.98% | -21.69% | -23.19% | -22.23% | -17.99% | +299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.04% | 0.00% | 1.07% | 1.39% | +139 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.85% | 0.83% | 0.86% | 0.93% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.46% | 16.76% | 18.71% | 19.52% | 19.34% | +388 bps | |
| Net Worth / Assets | 15.46% | 16.76% | 18.71% | 19.52% | 19.34% | +388 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.78% | 42.42% | 48.70% | 49.09% | 44.54% | +276 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Belpre, OH · Charter 20204 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
Return on Assets
0.47%
Rank 1,050 of 1,678
Net Interest Margin
2.94%
Rank 1,374 of 1,677
Efficiency Ratio
86.36%
Rank 1,187 of 1,675
Equity / Assets
19.34%
Rank 232 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.24% | 0.67% | 1.21% | Beats 37% | 1,050 / 1,678 | |
| Return on Equity | 2.42% | 1.96% | 5.37% | 8.99% | Beats 28% | 1,207 / 1,675 | |
| Net Interest Margin | 2.94% | 3.12% | 3.67% | 4.25% | Beats 18% | 1,374 / 1,677 | |
| Efficiency Ratio | 86.36% | 68.92% | 78.89% | 88.44% | Beats 29% | 1,187 / 1,675 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.40% | 0.21% | 0.58% | 1.19% | Beats 21% | 1,333 / 1,676 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.34% | 10.02% | 12.33% | 15.89% | Beats 86% | 233 / 1,678 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.34% | 10.02% | 12.33% | 15.89% | Beats 86% | 232 / 1,677 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.54% | 54.28% | 70.33% | 83.29% | 14th pctl | 1,445 / 1,677 | |
| Loans / Assets | 35.82% | 46.21% | 59.98% | 70.96% | 12th pctl | 1,479 / 1,677 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||