BEREA
Charter #23888 · BROOKLYN, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 95 sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 0.80% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 14th percentile among structurally similar credit unions — a relative strength.
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 | BEREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 96,260 | 1th pct | 11th pct |
| Members | 95 | 3th pct | 15th pct |
| Net worth ratio | 13.62% | 30th pct | 30th pct |
| Return on average assets | 0.80% | 65th pct | 52th pct |
| Net interest margin | 0.80% | 2th pct | 5th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 7.12% | 4th pct | 21th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 14th pct |
| Loan growth YoY | -27.20% | 3th pct | 9th pct |
| Share growth YoY | 10.81% | 95th pct | 92th pct |
| Efficiency ratio | 0.00% | 0th pct | 2th pct |
structural peer set hash: 1ee23577e173e1430a61c26639dde715… (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.