B. M. H.
Cleveland, TN · Charter 23630 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$3.7MAssets
$1.4MLoans
$2.9MShares
$781KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions under $1B in assets (rank 156 of 1683).
- Widest gap: efficiency ratio trails 92% of credit unions under $1B in assets (rank 1546 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.38%
Rank 1,238 of 1,683
Net Interest Margin
4.94%
Rank 156 of 1,683
Efficiency Ratio
98.92%
Rank 1,546 of 1,682
Equity / Assets
21.19%
Rank 180 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.38% | 0.35% | 0.74% | 1.18% | Beats 26% | 1,238 / 1,683 | | |
| Return on Equity | 1.79% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,362 / 1,681 | | |
| Net Interest Margin | 4.94% | 3.31% | 3.82% | 4.32% | Beats 91% | 156 / 1,683 | | |
| Efficiency Ratio | 98.92% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,546 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,111 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.19% | 10.44% | 12.89% | 16.53% | Beats 89% | 180 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.19% | 10.44% | 12.89% | 16.53% | Beats 89% | 180 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.91% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,324 / 1,683 | | |
| Loans / Assets | 39.16% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,388 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |