B. P. S.
Charter #13062 · Beeville, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 335 sits at the 13th percentile of structural peers — worth a closer look.
- Net worth ratio of 61.72% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.18% sits at the 13th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 72nd — a 20-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 | B. P. S. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.87M | 39th pct | 26th pct |
| Members | 335 | 28th pct | 13th pct |
| Net worth ratio | 61.72% | 99th pct | 95th pct |
| Return on average assets | 0.82% | 66th pct | 57th pct |
| Net interest margin | 3.18% | 24th pct | 13th pct |
| Cost of funds | 1.06% | 67th pct | 69th pct |
| Loan-to-share | 97.49% | 92th pct | 72th pct |
| Delinquency 60+ days | 0.39% | 39th pct | 30th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -9.56% | 30th pct | 20th pct |
| Share growth YoY | -8.95% | 8th pct | 3th pct |
| Efficiency ratio | 74.37% | 30th pct | 36th pct |
structural peer set hash: e00c90e06c43111a66468148c303b3be… (reproducible)
Closest structural peers
This is the free public view
Claim B. P. S.
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.