B. M. H.
Charter #23630 · CLEVELAND, TN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 486 sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 5.15% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.22% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.04% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 48th percentile but its structural peers at the 16th — a 32-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. M. H. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.72M | 48th pct | 16th pct |
| Members | 486 | 42th pct | 20th pct |
| Net worth ratio | 21.10% | 62th pct | 62th pct |
| Return on average assets | 1.17% | 77th pct | 72th pct |
| Net interest margin | 5.15% | 81th pct | 93th pct |
| Cost of funds | 0.22% | 32th pct | 15th pct |
| Loan-to-share | 49.50% | 40th pct | 33th pct |
| Delinquency 60+ days | 0.99% | 53th pct | 61th pct |
| Net charge-off ratio | -0.04% | 17th pct | 15th pct |
| Loan growth YoY | 5.30% | 88th pct | 90th pct |
| Share growth YoY | -5.21% | 17th pct | 7th pct |
| Efficiency ratio | 96.68% | 68th pct | 70th pct |
structural peer set hash: 72e4cbeac13ec9f6b51d813d1e0cc5d5… (reproducible)
Closest structural peers
This is the free public view
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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.