| Metric | Mea Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +28.2% | +1.3% | +26.9 pts |
| Share growth (YoY) | +28.7% | +0.7% | +28.1 pts |
| Loan growth (YoY) | +14.4% | -2.4% | +16.8 pts |
| ROA | 1.77% | 0.60% | +1.2 pts |
| ROE | 20.2% | 4.1% | +16.1 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 | $806K | $736K | $514K | $71K | $4K | 1.77% | 2.87% | 0.00% | 122 |
| Q4 2025 | $760K | $693K | $537K | $67K | $13K | 1.71% | 2.89% | 0.00% | 122 |
| Q3 2025 | $749K | $685K | $550K | $64K | $10K | 1.77% | 2.95% | 0.00% | 123 |
| Q2 2025 | $778K | $718K | $608K | $60K | $6K | 1.61% | 2.72% | 0.00% | 124 |
| Q1 2025 | $629K | $572K | $449K | $57K | $3K | 2.03% | 3.41% | 0.00% | 117 |
| Q4 2024 | $660K | $606K | $513K | $54K | $11K | 1.60% | 2.79% | 0.00% | 119 |
| Q3 2024 | $625K | $565K | $459K | $59K | $16K | 3.38% | 2.95% | 0.00% | 119 |
| Q2 2024 | $576K | $527K | $459K | $49K | $5K | 1.83% | 3.18% | 0.00% | 117 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $514K · securities $0
| Ratio | Mea Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 20.2% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.5% | 81.5% | 2nd |
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 | Mea 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 | Mea 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 | Mea 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 | Mea 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 | Mea 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.
2 branches in 1 county across 1 state (+1 vs 2024). Biggest market: Piatt, IL, ranked 5th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Piatt, IL | 2 | $718K* | 0.11% | 5th |
Illinois: 584th with 0.00% · Champaign-Urbana metro: 38th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2