BCM
Charter #12892 · Houston, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,723 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.06% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.13% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.41% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.74% sits at the 97th percentile of structural peers — worth a closer look.
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 | BCM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $42.27M | 87th pct | 57th pct |
| Members | 4,723 | 95th pct | 75th pct |
| Net worth ratio | 12.37% | 40th pct | 54th pct |
| Return on average assets | 1.06% | 71th pct | 80th pct |
| Net interest margin | 4.13% | 64th pct | 79th pct |
| Cost of funds | 1.41% | 75th pct | 85th pct |
| Loan-to-share | 60.65% | 55th pct | 59th pct |
| Delinquency 60+ days | 0.67% | 54th pct | 57th pct |
| Net charge-off ratio | 1.74% | 94th pct | 97th pct |
| Loan growth YoY | 3.07% | 87th pct | 92th pct |
| Share growth YoY | 0.27% | 28th pct | 31th pct |
| Efficiency ratio | 77.66% | 43th pct | 31th pct |
structural peer set hash: fae428437092e515d409083270f7fd03… (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.