Members Connect Federal Credit Union
Total assets
$10.7M
▼ -6.0% YoY
Shares & deposits
$9.1M
▼ -7.1% YoY
Loans
$6.9M
▼ -0.0% YoY
Members
1,619
▼ -0.7% YoY
ROA (annualized)
0.27%
peers 0.60%
ROE (annualized)
1.86%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +1.3% | -7.3 pts |
| Share growth (YoY) | -7.1% | +0.7% | -7.8 pts |
| Loan growth (YoY) | -0.0% | -2.4% | +2.3 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 1.9% | 4.1% | -2.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
Profile
- Established
- 1965
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 12 Main St. Ste.4, Madison, NJ, 07940
- NCUA charter #
- 16584
- RSSD ID
- 953384
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.7M | $9.1M | $6.9M | $1.5M | $7K | 0.27% | 4.92% | 1.78% | 1,619 |
| Q4 2025 | $10.5M | $8.9M | $6.9M | $1.5M | $54K | 0.52% | 5.14% | 0.83% | 1,613 |
| Q3 2025 | $10.5M | $8.9M | $6.8M | $1.5M | $41K | 0.52% | 5.13% | 0.49% | 1,628 |
| Q2 2025 | $10.6M | $9.0M | $6.8M | $1.5M | $24K | 0.46% | 4.95% | 0.49% | 1,624 |
| Q1 2025 | $11.4M | $9.8M | $6.9M | $1.5M | $10K | 0.36% | 4.46% | 0.65% | 1,630 |
| Q4 2024 | $10.3M | $8.7M | $6.8M | $1.5M | $32K | 0.31% | 4.90% | 1.02% | 1,655 |
| Q3 2024 | $10.4M | $8.8M | $7.1M | $1.5M | $27K | 0.35% | 4.83% | 1.58% | 1,666 |
| Q2 2024 | $10.9M | $9.3M | $7.2M | $1.5M | $19K | 0.36% | 4.57% | 1.63% | 1,673 |
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $3.3M · securities $2.4M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.92% | 3.83% | 87th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.1% | 81.5% | 75th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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