| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +1.3% | +6.9 pts |
| Share growth (YoY) | +8.4% | +0.7% | +7.7 pts |
| Loan growth (YoY) | +11.1% | -2.4% | +13.4 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 7.0% | 4.1% | +2.9 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.0M | $66.4M | $48.3M | $7.3M | $127K | 0.67% | 3.52% | 0.21% | 4,190 |
| Q4 2025 | $73.9M | $65.2M | $45.8M | $7.2M | $733K | 0.99% | 3.34% | 0.36% | 4,206 |
| Q3 2025 | $71.6M | $63.0M | $43.8M | $7.0M | $551K | 1.03% | 3.41% | 0.37% | 4,219 |
| Q2 2025 | $70.8M | $62.4M | $42.9M | $6.8M | $379K | 1.07% | 3.38% | 0.22% | 4,240 |
| Q1 2025 | $69.4M | $61.2M | $43.5M | $6.6M | $182K | 1.05% | 3.43% | 0.04% | 4,227 |
| Q4 2024 | $68.9M | $60.7M | $42.7M | $6.4M | $652K | 0.95% | 3.18% | 0.04% | 4,220 |
| Q3 2024 | $67.2M | $59.4M | $41.2M | $6.2M | $462K | 0.92% | 3.17% | 1.31% | 4,225 |
| Q2 2024 | $67.4M | $59.4M | $41.6M | $6.0M | $251K | 0.74% | 3.03% | 0.04% |
| Ratio | Members 1St Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,243 |
Loan mix (Q1 2026): real estate $30.6M · commercial $1.2M · consumer $12.7M · securities $20.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 81.5% | 51th |
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.