| Metric | Members Trust Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +3.0% | -9.2 pts |
| Deposit growth (YoY) | 0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | -1.07% | 0.99% | -2.1 pts |
| ROE | -1.3% | 8.1% | -9.4 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.3M | $500K | $0 | $28.8M | $-185K | -1.07% | 3.86% | 0.00% |
| Q1 2026 | $34.6M | $500K | $0 | $28.9M | $-73K | -0.84% | 3.91% | 0.00% |
| Q4 2025 | $34.5M | $500K | $0 | $29.1M | $-2.2M | -6.15% | 4.21% | 0.00% |
| Q3 2025 | $37.0M | $500K | $0 | $29.4M | $-1.9M | -6.88% | 4.19% | 0.00% |
| Q2 2025 | $36.5M | $500K | $0 | $30.0M | $-1.2M | -6.59% | 4.26% | 0.00% |
| Q1 2025 | $36.4M | $500K | $0 | $30.4M | $-685K | -7.35% | 4.38% | 0.00% |
| Q4 2024 | $38.2M | $500K | $0 | $30.8M | $-2.1M | -5.50% | 4.50% | 0.00% |
| Q3 2024 | $38.5M | $500K | $0 | $31.0M | $-2.5M | -8.39% | 4.54% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $21.5M
| Ratio | Members Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.07% | 0.99% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -1.3% | 8.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.0% | 70.8% | 88th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Members Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Members Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Members Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Members Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.