| Metric | Max Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +5.1% | -0.5 pts |
| Share growth (YoY) | +2.3% | +4.9% | -2.5 pts |
| Loan growth (YoY) | -1.3% | +5.4% | -6.7 pts |
| ROA | 1.74% | 0.71% | +1.0 pts |
| ROE | 12.1% | 6.3% | +5.9 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.35B | $2.03B | $1.15B | $336.7M | $10.2M | 1.74% | 3.17% | 0.70% | 131,569 |
| Q4 2025 | $2.31B | $2.00B | $1.15B | $326.5M | $30.6M | 1.32% | 3.19% | 0.89% | 130,525 |
| Q3 2025 | $2.26B | $1.97B | $1.15B | $319.4M | $22.3M | 1.31% | 3.22% | 0.90% | 129,899 |
| Q2 2025 | $2.25B | $1.97B | $1.16B | $310.5M | $13.4M | 1.19% | 3.20% | 0.84% | 129,035 |
| Q1 2025 | $2.24B | $1.98B | $1.17B | $303.2M | $6.2M | 1.10% | 3.12% | 0.80% | 128,203 |
| Q4 2024 | $2.15B | $1.90B | $1.19B | $297.1M | $23.3M | 1.08% | 3.14% | 0.91% | 127,460 |
| Q3 2024 | $2.17B | $1.92B | $1.20B | $291.0M | $16.1M | 0.99% | 3.07% | 0.80% | 127,145 |
| Q2 2024 | $2.14B | $1.90B | $1.18B | $284.5M | $9.6M | 0.90% | 3.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Max Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.71% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 6.3% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.77% |
| 126,102 |
Loan mix (Q1 2026): real estate $299.1M · commercial $320.8M · consumer $470.2M · securities $885.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 73.0% | 9th |
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 | Max 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 | Max 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 | Max 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 | Max 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.