| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.9% | -1.0 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.3 pts |
| Loan growth (YoY) | +8.9% | +2.9% | +5.9 pts |
| ROA | 1.55% | 0.69% | +0.9 pts |
| ROE | 13.0% | 5.9% | +7.1 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $249.7M | $220.1M | $171.9M | $29.8M | $970K | 1.55% | 3.61% | 1.62% | 13,794 |
| Q4 2025 | $243.5M | $214.8M | $168.2M | $28.8M | $3.9M | 1.59% | 3.54% | 2.45% | 13,704 |
| Q3 2025 | $243.2M | $215.7M | $165.3M | $27.8M | $2.7M | 1.50% | 3.45% | 1.70% | 13,610 |
| Q2 2025 | $244.4M | $218.4M | $160.2M | $26.6M | $1.6M | 1.29% | 3.28% | 1.87% | 13,484 |
| Q1 2025 | $242.7M | $217.8M | $157.9M | $25.8M | $759K | 1.25% | 3.22% | 1.49% | 13,413 |
| Q4 2024 | $233.6M | $209.8M | $159.3M | $25.0M | $3.1M | 1.33% | 3.38% | 1.04% | 13,371 |
| Q3 2024 | $229.4M | $206.0M | $160.5M | $24.3M | $2.3M | 1.35% | 3.42% | 1.76% | 13,437 |
| Q2 2024 | $228.5M | $207.0M | $158.8M | $23.5M | $1.5M | 1.30% | 3.43% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Mc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.69% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.85% |
| 13,363 |
Loan mix (Q1 2026): real estate $108.5M · commercial $17.0M · consumer $44.4M · securities $40.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 78.7% | 6th |
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 | Mc 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 | Mc 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 | Mc 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 | Mc 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.