| Metric | Mct Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +3.9% | +5.3 pts |
| Share growth (YoY) | +6.7% | +3.3% | +3.4 pts |
| Loan growth (YoY) | +7.1% | +2.9% | +4.2 pts |
| ROA | 0.42% | 0.69% | -0.3 pts |
| ROE | 4.2% | 5.9% | -1.8 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $411.3M | $361.7M | $244.7M | $41.3M | $433K | 0.42% | 3.27% | 0.18% | 21,604 |
| Q4 2025 | $395.5M | $345.8M | $246.5M | $41.0M | $1.3M | 0.33% | 3.30% | 0.51% | 22,032 |
| Q3 2025 | $383.4M | $337.1M | $243.5M | $40.7M | $1.0M | 0.35% | 3.36% | 0.41% | 21,822 |
| Q2 2025 | $386.3M | $340.8M | $238.9M | $40.2M | $523K | 0.27% | 3.26% | 0.46% | 21,520 |
| Q1 2025 | $376.7M | $338.9M | $228.4M | $39.9M | $207K | 0.22% | 3.18% | 0.38% | 21,689 |
| Q4 2024 | $358.6M | $321.9M | $229.0M | $39.7M | $1.1M | 0.29% | 3.37% | 0.53% | 21,788 |
| Q3 2024 | $363.1M | $323.8M | $230.0M | $39.6M | $909K | 0.33% | 3.32% | 0.61% | 21,554 |
| Q2 2024 | $360.7M | $323.6M | $231.3M | $39.3M | $626K | 0.35% | 3.30% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Mct Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.69% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 21,134 |
Loan mix (Q1 2026): real estate $129.8M · commercial $23.9M · consumer $77.6M · securities $79.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 78.7% | 87th |
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 | Mct 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 | Mct 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 | Mct 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 | Mct 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.