| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +6.3% | +0.7% | +5.6 pts |
| Loan growth (YoY) | -0.2% | -2.4% | +2.2 pts |
| ROA | 0.59% | 0.60% | -0.0 pts |
| ROE | 6.5% | 4.1% | +2.4 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 2,153 |
| Q2 2024 | $18.9M | $16.8M | $15.5M | $2.0M | $19K | 0.20% | 4.06% | 1.67% |
| Ratio | Members 1St Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,147 |
Loan mix (Q1 2026): real estate $8.5M · commercial $0 · consumer $6.2M · securities $6.4M
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 | 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 |
|---|---|---|---|---|
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.