| Metric | Meijer Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +3.9% | +4.7 pts |
| Share growth (YoY) | +8.0% | +3.3% | +4.7 pts |
| Loan growth (YoY) | +9.5% | +2.9% | +6.6 pts |
| ROA | 1.18% | 0.69% | +0.5 pts |
| ROE | 12.2% | 5.9% | +6.2 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $120.5M | $107.5M | $84.8M | $11.7M | $355K | 1.18% | 4.01% | 0.25% | 15,309 |
| Q4 2025 | $115.5M | $102.7M | $82.5M | $11.3M | $1.3M | 1.12% | 4.12% | 0.81% | 15,172 |
| Q3 2025 | $112.1M | $99.2M | $83.2M | $11.0M | $976K | 1.16% | 4.19% | 0.76% | 15,118 |
| Q2 2025 | $113.2M | $100.8M | $80.0M | $10.6M | $567K | 1.00% | 4.01% | 0.39% | 14,991 |
| Q1 2025 | $110.9M | $99.5M | $77.4M | $10.2M | $177K | 0.64% | 3.91% | 0.35% | 14,935 |
| Q4 2024 | $104.7M | $94.3M | $76.2M | $10.0M | $803K | 0.77% | 3.76% | 0.55% | 14,917 |
| Q3 2024 | $100.3M | $90.4M | $72.3M | $9.7M | $490K | 0.65% | 3.81% | 0.43% | 14,727 |
| Q2 2024 | $102.3M | $92.4M | $67.9M | $9.5M | $284K | 0.56% | 3.60% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Meijer Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.69% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 5.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 14,668 |
Loan mix (Q1 2026): real estate $44.0M · commercial $4.1M · consumer $21.1M · securities $24.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 78.7% | 47th |
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 | Meijer 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 | Meijer 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 | Meijer 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 | Meijer 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.