| Metric | Med Park Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +1.3% | -2.8 pts |
| Share growth (YoY) | -2.5% | +0.7% | -3.2 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.3 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.5M | $15.3M | $13.0M | $3.0M | $33K | 0.71% | 4.40% | 0.01% | 1,487 |
| Q4 2025 | $18.0M | $14.9M | $13.3M | $2.9M | $205K | 1.14% | 4.62% | 0.00% | 1,515 |
| Q3 2025 | $17.9M | $14.9M | $13.5M | $2.9M | $157K | 1.17% | 4.65% | 0.04% | 1,530 |
| Q2 2025 | $18.1M | $15.1M | $13.7M | $2.8M | $106K | 1.17% | 4.58% | 0.04% | 1,544 |
| Q1 2025 | $18.7M | $15.7M | $13.0M | $2.8M | $60K | 1.28% | 4.38% | 0.05% | 1,549 |
| Q4 2024 | $18.0M | $15.2M | $13.3M | $2.7M | $329K | 1.83% | 4.42% | 0.06% | 1,565 |
| Q3 2024 | $17.5M | $14.7M | $13.6M | $2.7M | $258K | 1.97% | 4.43% | 0.26% | 1,576 |
| Q2 2024 | $17.4M | $14.7M | $13.7M | $2.6M | $203K | 2.33% | 4.42% | 0.04% |
| Ratio | Med Park Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,576 |
Loan mix (Q1 2026): real estate $3.4M · commercial $0 · consumer $7.8M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.8% | 81.5% | 62th |
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 | Med Park 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 | Med Park 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 | Med Park 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 | Med Park 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% |
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