BMI
Charter #1199 · Dublin, OH · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.02% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.40% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.25% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 75.19% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 44th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BMI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $730.72M | 54th pct | 43th pct |
| Members | 46,810 | 65th pct | 44th pct |
| Net worth ratio | 10.20% | 47th pct | 49th pct |
| Return on average assets | 0.62% | 50th pct | 54th pct |
| Net interest margin | 3.02% | 21th pct | 8th pct |
| Cost of funds | 1.96% | 79th pct | 70th pct |
| Loan-to-share | 84.81% | 60th pct | 43th pct |
| Delinquency 60+ days | 0.40% | 30th pct | 25th pct |
| Net charge-off ratio | 0.25% | 28th pct | 18th pct |
| Loan growth YoY | -2.05% | 18th pct | 15th pct |
| Share growth YoY | 3.05% | 37th pct | 34th pct |
| Efficiency ratio | 75.19% | 34th pct | 23th pct |
structural peer set hash: 23013e4fabcebafab07c3c52e87f940c… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.