BEKA

Charter #21575 | GA

<100M (2596 CUs) Micro
43 <100M in GA

BEKA has 4 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.02% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - ROA 1.78% below tier average
  • - Efficiency ratio 43.58% above tier (higher cost structure)
  • - Delinquency rate 0.12% above tier average
  • - Member decline: -5.3% YoY
  • - Share Certificate Concentration (%): Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 447
-5.3% YoY0% QoQ
 -2.2K 2,625
-2.2% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 Bottom 12.4% in tier
Assets $4.6M
-3.6% YoY-3.9% QoQ
 $-25.2M $29.9M
+1.1% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 Bottom 18.1% in tier
Loans $3.7M
-3.3% YoY+0.2% QoQ
 $-12.1M $15.8M
-2.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 27th in tier
Deposits $4.0M
-2.9% YoY-4.5% QoQ
 $-21.5M $25.5M
+0.4% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 Bottom 19.3% in tier
ROA -1.1%
-8640.7% YoY-30.8% QoQ
 -1.8% 0.7%
-731.4% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 Bottom 5.1% in tier
NIM 3.9%
+6.3% YoY+3.1% QoQ
 +0.0% 3.9%
+3.8% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 52nd in tier
Efficiency Ratio 125.0%
+13.8% YoY-9.0% QoQ
 +43.6% 81.4%
-2.4% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Top 3.7% in tier
Delinquency Rate 1.6%
-54.1% YoY+8.6% QoQ
 +0.1 1.5%
-2.0% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 74th in tier
Loan To Share 91.2%
-0.4% YoY+4.9% QoQ
 +30.0% 61.2%
-3.0% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Top 9.9% in tier
AMR $17,122
+2.3% YoY-2.3% QoQ
 +$2K $14,627
-2.7% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 68th in tier
CD Concentration 49.4%
-4.7% YoY-4.0% QoQ
 +25.0% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
253
Loan-to-Share Ratio
balance_sheet
Value: 91.24%
Peer Avg: 61.23%
#253 of 2596 Top 9.7% in <100M tier
443
Loan-to-Member Ratio (LMR)
engagement
Value: $8,169
Peer Avg: $5,488
#443 of 2596 Top 17.0% in <100M tier

Top Weaknesses (10 metrics)

2504
Share Certificate Concentration (%)
balance_sheet
Value: 49.40%
Peer Avg: 15.37%
#2504 of 2596 Bottom 3.6% in <100M tier
2501
Efficiency Ratio
profitability
Value: 124.98%
Peer Avg: 81.39%
#2501 of 2596 Bottom 3.7% in <100M tier
2463
Return on Assets (ROA)
profitability
Value: -1.10%
Peer Avg: 0.68%
#2463 of 2596 Bottom 5.2% in <100M tier
2274
Total Members
engagement
Value: 447
Peer Avg: 2,626
#2274 of 2596 Bottom 12.4% in <100M tier
2188
Member Growth Rate
growth
Value: -5.30%
Peer Avg: 14.92%
#2188 of 2596 Bottom 15.8% in <100M tier
2127
Total Assets
balance_sheet
Value: $4.62M
Peer Avg: $29.86M
#2127 of 2596 Bottom 18.1% in <100M tier
2101
Asset Growth Rate
growth
Value: -3.58%
Peer Avg: 1.82%
#2101 of 2596 Bottom 19.1% in <100M tier
2094
Total Deposits
balance_sheet
Value: $4.00M
Peer Avg: $25.45M
#2094 of 2596 Bottom 19.4% in <100M tier
2085
Members Per Employee (MPE)
engagement
Value: 223.500
Peer Avg: 365.701
#2085 of 2596 Bottom 19.7% in <100M tier
2044
Fee Income Per Member
profitability
Value: $12.93
Peer Avg: $182.96
#2044 of 2596 Bottom 21.3% in <100M tier