| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.0% | +1.3% | -6.3 pts |
| Share growth (YoY) | -6.8% | +0.7% | -7.5 pts |
| Loan growth (YoY) | -10.9% | -2.4% | -8.6 pts |
| ROA | 0.57% | 0.60% | -0.0 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.8M | $31.6M | $17.9M | $6.2M | $54K | 0.57% | 3.76% | 0.18% | 2,084 |
| Q4 2025 | $38.3M | $32.1M | $19.2M | $6.1M | $237K | 0.62% | 3.67% | 0.11% | 2,094 |
| Q3 2025 | $37.4M | $31.4M | $19.9M | $6.1M | $168K | 0.60% | 3.72% | 0.26% | 2,093 |
| Q2 2025 | $39.8M | $34.0M | $20.4M | $6.0M | $66K | 0.33% | 3.35% | 0.24% | 2,097 |
| Q1 2025 | $39.8M | $33.9M | $20.0M | $5.9M | $6K | 0.06% | 3.17% | 0.38% | 2,130 |
| Q4 2024 | $38.8M | $33.3M | $20.0M | $5.9M | $204K | 0.52% | 3.33% | 0.13% | 2,132 |
| Q3 2024 | $38.6M | $32.4M | $21.5M | $5.9M | $187K | 0.64% | 3.36% | 2.62% | 2,141 |
| Q2 2024 | $37.0M | $31.5M | $22.2M | $5.8M | $107K | 0.58% | 3.49% | 0.35% |
| Ratio | Media City Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,159 |
Loan mix (Q1 2026): real estate $9.9M · commercial $0 · consumer $7.5M · securities $16.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 81.5% | 52nd |
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 | Media City 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 | Media City 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 | Media City 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 | Media City 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 | Media City 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Los Angeles, CA, ranked 169th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $34.0M* | 0.01% | 169th |
California: 373rd with 0.00% · Los Angeles-Long Beach-Anaheim metro: 193rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1