BHCU
Charter #61387 · RIDLEY PARK, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.95% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.31% sits at the 77th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 38th — a 36-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 | BHCU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $272.98M | 69th pct | 62th pct |
| Members | 8,933 | 24th pct | 36th pct |
| Net worth ratio | 11.83% | 55th pct | 61th pct |
| Return on average assets | 0.61% | 43th pct | 44th pct |
| Net interest margin | 2.95% | 13th pct | 23th pct |
| Cost of funds | 2.31% | 95th pct | 77th pct |
| Loan-to-share | 82.33% | 74th pct | 38th pct |
| Delinquency 60+ days | 0.90% | 71th pct | 74th pct |
| Net charge-off ratio | 0.22% | 34th pct | 69th pct |
| Loan growth YoY | 6.87% | 93th pct | 97th pct |
| Share growth YoY | 4.37% | 63th pct | 61th pct |
| Efficiency ratio | 84.70% | 71th pct | 64th pct |
structural peer set hash: 37161cc52e0ba51b94cd505dd6e7fdb1… (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.