| Metric | Mea Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.3 pts |
| Share growth (YoY) | +2.0% | +0.9% | +1.0 pts |
| Loan growth (YoY) | -23.5% | -2.6% | -20.8 pts |
| ROA | 1.64% | 0.65% | +1.0 pts |
| ROE | 18.0% | 4.4% | +13.6 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $806K | $732K | $466K | $74K | $7K | 1.64% | 2.85% | 0.00% | 121 |
| 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 |
| Ratio | Mea Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.65% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 4.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $576K |
| $527K |
| $459K |
| $49K |
| $5K |
| 1.83% |
| 3.18% |
| 0.00% |
| 117 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $466K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.6% | 80.6% | 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 (+0 vs 2025). Biggest market: Piatt, IL, ranked 5th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Piatt, IL | 2 | $732K* | 0.11% | 5th |
Illinois: 580th with 0.00% · Champaign-Urbana metro: 40th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2