No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $175.9M | $157.9M | $138.3M | $20.0M | $421K | 0.96% | 5.43% | 1.13% | 18,242 |
| Q4 2025 | $173.9M | $150.7M | $143.1M | $19.6M | $-537K | -0.31% | 5.79% | 1.51% | 18,188 |
| Q3 2025 | $175.0M | $150.1M | $147.8M | $19.8M | $-746K | -0.57% | 5.77% | 1.27% | 18,223 |
| Q2 2025 | $179.3M | $155.6M | $149.2M | $20.2M | $-305K | -0.34% | 5.58% | 0.91% | 21,014 |
| Q1 2025 | $195.8M | $176.2M | $145.3M | $20.9M | $350K | 0.71% | 5.01% | 0.86% | 17,938 |
| Q4 2024 | $201.8M | $178.4M | $144.9M | $20.3M | $-2.6M | -1.28% | 4.82% | 2.34% | 20,524 |
| Q3 2024 | $188.1M | $168.6M | $148.3M | $21.7M | $-1.5M | -1.05% | 5.18% | 2.44% | 20,548 |
| Q2 2024 | $198.2M | $169.0M | $161.7M | $22.4M | $-822K | -0.83% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Mac Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 5.43% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 4.99% |
| 2.09% |
| 20,319 |
Loan mix (Q1 2026): real estate $12.2M · commercial $3.1M · consumer $82.0M · securities $4.1M
| 69.8% |
| — |
| — |
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 | Mac Federal Credit Union | 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 | Mac Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Mac Federal Credit Union | 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 | Mac Federal Credit Union | 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 | Mac Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Fairbanks North Star, AK, ranked 9th with 3.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fairbanks North Star, AK | 3 | $93.4M* | 3.20% | 9th |
| Matanuska-Susitna, AK | 2 | $62.2M* | 2.58% | 8th |
Alaska: 16th with 0.66% · Fairbanks-College metro: 9th, 3.20% · Anchorage metro: 12th, 0.45% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 5 · 2024 5 · 2025 5