BENTON COUNTY SCHOOLS
Charter #64059 | OR
<100M
(2596 CUs)
Micro
($0-$500M)
17 <100M in OR
BENTON COUNTY SCHOOLS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.7% in tier
- + Loan-to-Member Ratio (LMR): Top 1.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - First Mortgage Concentration (%): Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,220
+0.2% YoY+0.1% QoQ
|
-405 |
2,625
-2.2% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
56th in tier |
| Assets |
$70.7M
+3.4% YoY+1.2% QoQ
|
+$40.8M |
$29.9M
+1.1% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
Top 12.0% in tier |
| Loans |
$34.0M
+7.6% YoY+1.7% QoQ
|
+$18.2M |
$15.8M
-2.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
Top 14.7% in tier |
| Deposits |
$63.4M
+3.2% YoY+1.2% QoQ
|
+$37.9M |
$25.5M
+0.4% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
Top 10.1% in tier |
| ROA |
0.6%
+3.7% YoY+8.3% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
42nd in tier |
| NIM |
2.4%
+7.1% YoY+2.2% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.9% in tier |
| Efficiency Ratio |
76.8%
-1.9% YoY-1.7% QoQ
|
-4.6% |
81.4%
-2.4% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
46th in tier |
| Delinquency Rate |
0.0%
-45.9% YoY-82.1% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.9% in tier |
| Loan To Share |
53.7%
+4.3% YoY+0.5% QoQ
|
-7.5% |
61.2%
-3.0% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
38th in tier |
| AMR |
$43,858
+4.4% YoY+1.3% QoQ
|
+$29K |
$14,627
-2.7% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
Top 0.8% in tier |
| CD Concentration |
16.5%
+19.4% YoY+4.5% QoQ
|
-8.0% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
13.9%
-0.5% 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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
20
Average Member Relationship (AMR)
engagement
Value:
$43,858
Peer Avg: $14,627
#20 of 2596
Top 0.7% in <100M tier
46
Loan-to-Member Ratio (LMR)
engagement
Value:
$15,321
Peer Avg: $5,488
#46 of 2596
Top 1.7% in <100M tier
261
Total Deposits
balance_sheet
Value:
$63.35M
Peer Avg: $25.45M
#261 of 2596
Top 10.0% in <100M tier
311
Total Assets
balance_sheet
Value:
$70.70M
Peer Avg: $29.86M
#311 of 2596
Top 11.9% in <100M tier
363
Total Delinquency Rate (60+ days)
risk
Value:
0.02%
Peer Avg: 1.51%
#363 of 2596
Top 13.9% in <100M tier
382
Total Loans
balance_sheet
Value:
$34.01M
Peer Avg: $15.77M
#382 of 2596
Top 14.7% in <100M tier
383
Loan Growth Rate
growth
Value:
7.59%
Peer Avg: 59.01%
#383 of 2596
Top 14.7% in <100M tier
471
Fee Income Per Member
profitability
Value:
$136.92
Peer Avg: $182.96
#471 of 2596
Top 18.1% in <100M tier
Top Weaknesses (3 metrics)
2536
First Mortgage Concentration (%)
balance_sheet
Value:
68.46%
Peer Avg: 14.49%
#2536 of 2596
Bottom 2.3% in <100M tier
2417
Net Interest Margin (NIM)
profitability
Value:
2.44%
Peer Avg: 3.93%
#2417 of 2596
Bottom 6.9% in <100M tier
2152
Net Worth Ratio
risk
Value:
10.05%
Peer Avg: 16.43%
#2152 of 2596
Bottom 17.1% in <100M tier