Baker Hughes

Houston, TX · 1 · Charter #16271 · www.bhfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$11.8M
46th percentile
Members
1,454
51th percentile
Total loans
$1.8M
21th percentile
Total shares
$10.3M
48th percentile

Profitability

Return on assets
-0.02%
15th percentile
Net interest margin
3.97%
49th percentile
Efficiency ratio
93.89%
9th percentile
Non-interest income ratio
8.37%
47th percentile

Capital & Risk

Net worth ratio
12.54%
34th percentile
Delinquency rate
1.34%
34th percentile
Net charge-off rate
0.99%
17th percentile
Loan-to-share
17.18%
4th percentile

Growth

Member growth YoY
-7.39%
9th percentile
Asset growth YoY
-5.60%
15th percentile
Loan growth YoY
-21.31%
5th percentile
Share growth YoY
-6.31%
16th percentile

Operations

Members / branch
727
34th percentile
Assets / member
$8,103
40th percentile
Field of membership penetration
63.22%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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