B.E.A.
Bethalto, IL · Charter 65759 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 2 branches
Q2 2026
$2.4MAssets
$1.6MLoans
$1.7MShares
$635KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 93% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 2 of 27).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 26 of 27).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.25%
Rank 21 of 27
Net Interest Margin
4.47%
Rank 6 of 27
Efficiency Ratio
94.64%
Rank 23 of 27
Equity / Assets
26.76%
Rank 2 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.25% | 0.67% | 0.86% | Beats 22% | 21 / 27 | |
| Return on Equity | 0.94% | 2.16% | 5.85% | 7.25% | Beats 12% | 23 / 26 | |
| Net Interest Margin | 4.47% | 3.01% | 3.75% | 4.07% | Beats 78% | 6 / 27 | |
| Efficiency Ratio | 94.64% | 71.97% | 77.45% | 89.37% | Beats 19% | 23 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.12% | 0.24% | 0.77% | 1.40% | Beats 7% | 26 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 26.76% | 9.38% | 10.56% | 15.42% | Beats 93% | 2 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 26.76% | 9.38% | 10.56% | 15.42% | Beats 93% | 2 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 93.48% | 56.38% | 74.82% | 87.76% | 85th pctl | 4 / 27 | |
| Loans / Assets | 68.27% | 50.27% | 64.80% | 77.37% | 56th pctl | 12 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |