BMH Federal Credit Union Cleveland, Tennessee
BMH Federal Credit Union is a federal credit union headquartered in Cleveland, TN, established in 1980 (NCUA charter 23630), and it is regulated and insured by the NCUA. At Q2 2026 it reported 484 members and total assets of $3.7M (down 3.0% from Q2 2025), the 113th largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 21.19% at Q2 2026, in the well capitalized band.
Also written as BMH FCU
BankRegReports is independent of BMH Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 23630
- Headquarters
- Cleveland, TN
- Established
- 1980
- Total assets, Q2 2026
- $3.7M
- Assets vs Q2 2025
- -3.0%
- Members, Q2 2026
- 484
- Net worth ratio, Q2 2026
- 21.19%
- Latest call report
- Q2 2026, NCUA 5300 · BMH Federal Credit Union call report
- Asset rank in state
- 113th of 123 in Tennessee
- Branches
- 3
It has 10 more members than on June 30, 2025 (+2.1%). Its net worth ratio was up 0.54 percentage points from 20.65% on June 30, 2025. Used vehicle loans are its largest loan category, $700K of $1.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.94% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 21.19% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Tennessee
Frequently asked about BMH Federal Credit Union
How big is BMH Federal Credit Union?
At Q2 2026 it reported total assets of $3.7M and 484 members.
Where is BMH Federal Credit Union headquartered?
It is headquartered in Cleveland, TN, United States.
When was BMH Federal Credit Union founded?
It was established in 1980, per NCUA records.
Is BMH Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 23630): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates BMH Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is BMH Federal Credit Union well capitalized?
Its net worth ratio was 21.19% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is BMH Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.94% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is BMH Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 49.92% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cleveland, TN 37311
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1980
- NCUA Charter #
- 23630
- RSSD ID
- 764991
- Members
- 484
- Potential members
- 1,200
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 21.19% | 14.31% | 79th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.43% | 0.72% | 15th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -2.02% | 4.74% | 17th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.66% | 3.93% | 78th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 99.60% | 79.83% | 16th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.17% | 0.78% | 89th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.94% | 0.86% | 48th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.83% | 4.70% | 55th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 49.92% | 58.92% | 36th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.7M total assets against $3.8M; $2.9M total shares and deposits against $3.0M; $1.4M total loans against $1.3M.
$781K net worth against $784K.
21.19% net worth ratio against 20.65%.
49.92% loan-to-share ratio against 42.14%.
0.94% delinquency ratio against 5.80%.
-0.43% return on assets against 0.60%; -2.02% return on equity against 2.88%.
4.66% net interest margin against 5.00%.
484 members against 474.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 21.19% | -0.43% | 0.94% | 49.92% |
| March 31, 2026 | 21.10% | 1.18% | 0.99% | 49.50% |
| December 31, 2025 | 20.43% | -1.33% | 0.92% | 51.39% |
| September 30, 2025 | 20.28% | 0.21% | 1.28% | 44.56% |
| June 30, 2025 | 20.65% | 0.60% | 5.80% | 42.14% |
| March 31, 2025 | 20.65% | -0.18% | 6.17% | 40.37% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.