Bse

Cleveland, OH · 3 · Charter #97078 · www.bsecu.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
$17.6M
58th percentile
Members
2,286
73th percentile
Total loans
$5.5M
47th percentile
Total shares
$15.8M
60th percentile

Profitability

Return on assets
0.25%
25th percentile
Net interest margin
3.71%
40th percentile
Efficiency ratio
91.44%
11th percentile
Non-interest income ratio
15.00%
69th percentile

Capital & Risk

Net worth ratio
9.52%
13th percentile
Delinquency rate
0.02%
83th percentile
Net charge-off rate
0.11%
60th percentile
Loan-to-share
35.03%
16th percentile

Growth

Member growth YoY
-3.83%
25th percentile
Asset growth YoY
0.71%
47th percentile
Loan growth YoY
-5.05%
41th percentile
Share growth YoY
0.47%
50th percentile

Operations

Members / branch
1,143
52th percentile
Assets / member
$7,716
36th percentile
Field of membership penetration
22.86%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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