Befit Financial

Vacaville, CA · 1 · Charter #11943 · www.bffcu.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
$39.6M
89th percentile
Members
2,407
75th percentile
Total loans
$20.1M
89th percentile
Total shares
$35.5M
92th percentile

Profitability

Return on assets
0.29%
26th percentile
Net interest margin
3.57%
35th percentile
Efficiency ratio
87.51%
14th percentile
Non-interest income ratio
23.28%
88th percentile

Capital & Risk

Net worth ratio
9.51%
13th percentile
Delinquency rate
1.48%
32th percentile
Net charge-off rate
0.14%
56th percentile
Loan-to-share
56.66%
45th percentile

Growth

Member growth YoY
-10.05%
5th percentile
Asset growth YoY
7.43%
86th percentile
Loan growth YoY
-11.36%
20th percentile
Share growth YoY
8.61%
89th percentile

Operations

Members / branch
2,407
85th percentile
Assets / member
$16,471
90th percentile
Field of membership penetration
1.36%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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