B.E.A.
Charter #65759 · Bethalto, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 423 sits at the 23rd percentile of structural peers — worth a closer look.
- Net worth ratio of 27.13% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 62nd percentile but its structural peers at the 39th — a 22-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.E.A. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.34M | 34th pct | 25th pct |
| Members | 423 | 37th pct | 23th pct |
| Net worth ratio | 27.13% | 80th pct | 75th pct |
| Return on average assets | 0.57% | 56th pct | 39th pct |
| Net interest margin | 4.42% | 62th pct | 39th pct |
| Cost of funds | 1.01% | 66th pct | 46th pct |
| Loan-to-share | 98.56% | 92th pct | 74th pct |
| Delinquency 60+ days | 1.99% | 68th pct | 74th pct |
| Net charge-off ratio | -0.03% | 18th pct | 13th pct |
| Loan growth YoY | -15.99% | 12th pct | 2th pct |
| Share growth YoY | 4.18% | 77th pct | 84th pct |
| Efficiency ratio | 87.73% | 53th pct | 62th pct |
structural peer set hash: e1aa29809d4f6bb029094e412e8008ad… (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.