BEKA
Charter #21575 · Lindale, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 433 sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of -0.36% sits at the 18th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 4.49% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 100.81% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 7th — a 31-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 | BEKA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.62M | 56th pct | 26th pct |
| Members | 433 | 38th pct | 7th pct |
| Net worth ratio | 13.06% | 27th pct | 39th pct |
| Return on average assets | -0.36% | 25th pct | 18th pct |
| Net interest margin | 4.75% | 72th pct | 61th pct |
| Cost of funds | 1.51% | 79th pct | 57th pct |
| Loan-to-share | 88.64% | 86th pct | 67th pct |
| Delinquency 60+ days | 0.60% | 44th pct | 39th pct |
| Net charge-off ratio | 4.49% | 95th pct | 98th pct |
| Loan growth YoY | -2.49% | 63th pct | 39th pct |
| Share growth YoY | 0.38% | 52th pct | 33th pct |
| Efficiency ratio | 100.81% | 74th pct | 85th pct |
structural peer set hash: a384227295929c7a87163c3df4c9996d… (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.