BEE
Charter #9893 · SALISBURY, MD · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.34% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.47% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.15% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 44th — a 40-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 | BEE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.76M | 85th pct | 44th pct |
| Members | 996 | 82th pct | 52th pct |
| Net worth ratio | 21.93% | 65th pct | 72th pct |
| Return on average assets | -0.34% | 25th pct | 11th pct |
| Net interest margin | 4.03% | 50th pct | 66th pct |
| Cost of funds | 1.04% | 67th pct | 59th pct |
| Loan-to-share | 45.91% | 37th pct | 36th pct |
| Delinquency 60+ days | 2.47% | 72th pct | 79th pct |
| Net charge-off ratio | 2.15% | 92th pct | 92th pct |
| Loan growth YoY | -7.43% | 38th pct | 30th pct |
| Share growth YoY | 1.13% | 57th pct | 49th pct |
| Efficiency ratio | 85.46% | 49th pct | 61th pct |
structural peer set hash: 534707cdf87eeb925bd0c7a701463323… (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.