Beka
Lindale, GA · Charter 21575 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$4.6MAssets
$3.2MLoans
$4.0MShares
$593KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 79% of credit unions under $1B in assets (rank 347 of 1683).
- Widest gap: efficiency ratio trails 96% of credit unions under $1B in assets (rank 1614 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.66%
Rank 1,586 of 1,683
Net Interest Margin
4.46%
Rank 347 of 1,683
Efficiency Ratio
110.48%
Rank 1,614 of 1,682
Equity / Assets
12.97%
Rank 825 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.66% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,586 / 1,683 | |
| Return on Equity | -5.06% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,589 / 1,681 | |
| Net Interest Margin | 4.46% | 3.31% | 3.82% | 4.32% | Beats 79% | 347 / 1,683 | |
| Efficiency Ratio | 110.48% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,614 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.26% | 0.65% | 1.29% | Beats 41% | 993 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.97% | 10.44% | 12.89% | 16.53% | Beats 51% | 825 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.97% | 10.44% | 12.89% | 16.53% | Beats 51% | 825 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 79.67% | 52.61% | 69.38% | 83.50% | 69th pctl | 526 / 1,683 | |
| Loans / Assets | 69.34% | 44.71% | 59.18% | 70.72% | 72nd pctl | 469 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |