B.E.A.

Bethalto, IL · 2 · Charter #65759
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
$2.3M
14th percentile
Members
423
15th percentile
Total loans
$1.8M
21th percentile
Total shares
$1.6M
13th percentile

Profitability

Return on assets
0.40%
31th percentile
Net interest margin
5.26%
88th percentile
Efficiency ratio
68.60%
46th percentile
Non-interest income ratio
3.63%
27th percentile

Capital & Risk

Net worth ratio
27.24%
90th percentile
Delinquency rate
3.09%
14th percentile
Net charge-off rate
1.72%
8th percentile
Loan-to-share
110.94%
97th percentile

Growth

Member growth YoY
-1.40%
50th percentile
Asset growth YoY
-8.83%
7th percentile
Loan growth YoY
-13.55%
14th percentile
Share growth YoY
-12.38%
5th percentile

Operations

Members / branch
423
20th percentile
Assets / member
$5,481
19th percentile
Field of membership penetration
42.30%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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