B. M. H.
Charter #23630 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
B. M. H. has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.94% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 2.39% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
476
+2.1% YoY+0.4% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 13.1% in tier |
| Assets |
$3.9M
+1.0% YoY+2.1% QoQ
|
$-26.0M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 15.8% in tier |
| Loans |
$1.4M
+24.7% YoY+8.4% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.9% in tier |
| Deposits |
$3.1M
+1.1% YoY+2.5% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.2% in tier |
| ROA |
0.2%
-93.3% YoY+0.0% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 24.2% in tier |
| NIM |
4.9%
-29.8% YoY+0.4% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 17.1% in tier |
| Efficiency Ratio |
83.8%
+58.9% YoY+14.4% QoQ
|
+2.4% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
64th in tier |
| Delinquency Rate |
1.3%
-77.9% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
68th in tier |
| Loan To Share |
44.6%
+23.4% YoY+5.7% QoQ
|
-16.7% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 24.5% in tier |
| AMR |
$9,368
+5.1% YoY+3.8% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
26th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% 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)
Top Strengths (7 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
51
Loan Growth Rate
growth
Value:
24.71%
Peer Avg: 59.01%
#51 of 2596
Top 1.9% in <100M tier
420
Member Growth Rate
growth
Value:
2.15%
Peer Avg: 14.92%
#420 of 2596
Top 16.1% in <100M tier
443
Net Interest Margin (NIM)
profitability
Value:
4.87%
Peer Avg: 3.93%
#443 of 2596
Top 17.0% in <100M tier
551
Net Worth Ratio
risk
Value:
20.28%
Peer Avg: 16.43%
#551 of 2596
Top 21.2% in <100M tier
Top Weaknesses (10 metrics)
2327
Members Per Employee (MPE)
engagement
Value:
158.667
Peer Avg: 365.701
#2327 of 2596
Bottom 10.4% in <100M tier
2257
Total Members
engagement
Value:
476
Peer Avg: 2,626
#2257 of 2596
Bottom 13.1% in <100M tier
2234
Total Loans
balance_sheet
Value:
$1.37M
Peer Avg: $15.77M
#2234 of 2596
Bottom 14.0% in <100M tier
2186
Total Assets
balance_sheet
Value:
$3.88M
Peer Avg: $29.86M
#2186 of 2596
Bottom 15.8% in <100M tier
2175
Total Deposits
balance_sheet
Value:
$3.08M
Peer Avg: $25.45M
#2175 of 2596
Bottom 16.3% in <100M tier
2150
Net Charge-Off Rate
risk
Value:
0.86%
Peer Avg: 0.57%
#2150 of 2596
Bottom 17.2% in <100M tier
2022
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,888
Peer Avg: $5,488
#2022 of 2596
Bottom 22.1% in <100M tier
1969
Return on Assets (ROA)
profitability
Value:
0.21%
Peer Avg: 0.68%
#1969 of 2596
Bottom 24.2% in <100M tier
1956
Loan-to-Share Ratio
balance_sheet
Value:
44.56%
Peer Avg: 61.23%
#1956 of 2596
Bottom 24.7% in <100M tier
1955
Fee Income Per Member
profitability
Value:
$16.92
Peer Avg: $182.96
#1955 of 2596
Bottom 24.7% in <100M tier