B. M. H.

CLEVELAND, TN · 1 · Charter #23630 · www.bmhfcu.com
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
$3.8M
20th percentile
Members
484
17th percentile
Total loans
$1.5M
19th percentile
Total shares
$3.0M
20th percentile

Profitability

Return on assets
-0.17%
12th percentile
Net interest margin
4.81%
78th percentile
Efficiency ratio
92.02%
11th percentile
Non-interest income ratio
3.94%
29th percentile

Capital & Risk

Net worth ratio
20.43%
75th percentile
Delinquency rate
0.92%
44th percentile
Net charge-off rate
0.53%
30th percentile
Loan-to-share
51.39%
37th percentile

Growth

Member growth YoY
2.76%
88th percentile
Asset growth YoY
1.66%
54th percentile
Loan growth YoY
30.85%
98th percentile
Share growth YoY
2.66%
62th percentile

Operations

Members / branch
484
22th percentile
Assets / member
$7,828
37th percentile
Field of membership penetration
40.33%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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