| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +1.9% | +0.9% | +1.0 pts |
| Loan growth (YoY) | -2.9% | -2.6% | -0.2 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 7.1% | 4.4% | +2.7 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.9M | $20.7M | $15.0M | $2.2M | $77K | 0.67% | 3.78% | 2.07% | 2,095 |
| Q1 2026 | $23.2M | $21.0M | $15.1M | $2.1M | $34K | 0.59% | 3.70% | 2.79% | 2,111 |
| Q4 2025 | $22.8M | $20.7M | $15.3M | $2.1M | $81K | 0.35% | 3.69% | 2.70% | 2,117 |
| Q3 2025 | $22.5M | $20.4M | $15.4M | $2.1M | $48K | 0.29% | 3.69% | 0.72% | 2,124 |
| Q2 2025 | $22.4M | $20.4M | $15.5M | $2.0M | $10K | 0.09% | 3.57% | 0.89% | 2,124 |
| Q1 2025 | $21.8M | $19.7M | $15.2M | $2.0M | $-5K | -0.08% | 3.48% | 0.38% | 2,119 |
| Q4 2024 | $21.2M | $19.1M | $15.3M | $2.0M | $30K | 0.14% | 3.60% | 2.10% | 2,121 |
| Q3 2024 | $20.4M | $18.3M | $15.2M | $2.0M | $29K | 0.19% | 3.74% | 1.77% |
| Ratio | Members 1St Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,153 |
| Q2 2024 | $18.9M | $16.8M | $15.5M | $2.0M | $19K | 0.20% | 4.06% | 1.67% | 2,147 |
Loan mix (Q2 2026): real estate $8.7M · commercial $0 · consumer $5.9M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 80.6% | 62nd |
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 | Members 1St 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 | Members 1St 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 | Members 1St 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 | Members 1St 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 | Members 1St 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.
3 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Windham, VT, ranked 10th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Windham, VT | 2 | $13.8M* | 0.96% | 10th |
| Douglas, NE | 1 | $6.9M* | 0.02% | 69th |
Vermont: 33rd with 0.06% · Nebraska: 213th with 0.01% · Omaha metro: 106th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 3