| Metric | Members Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +3.9% | +5.8 pts |
| Share growth (YoY) | +9.8% | +3.3% | +6.5 pts |
| Loan growth (YoY) | -7.1% | +2.9% | -10.0 pts |
| ROA | 0.85% | 0.69% | +0.2 pts |
| ROE | 7.7% | 5.9% | +1.8 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $117.4M | $105.4M | $52.2M | $12.9M | $250K | 0.85% | 3.79% | 0.83% | 8,665 |
| Q4 2025 | $112.8M | $101.8M | $55.9M | $12.7M | $1.2M | 1.04% | 4.12% | 0.96% | 8,620 |
| Q3 2025 | $110.4M | $98.6M | $57.6M | $12.3M | $838K | 1.01% | 4.21% | 0.65% | 8,589 |
| Q2 2025 | $108.8M | $97.4M | $58.1M | $12.0M | $527K | 0.97% | 4.20% | 0.69% | 8,549 |
| Q1 2025 | $107.0M | $96.0M | $56.2M | $11.8M | $242K | 0.90% | 4.26% | 0.61% | 8,592 |
| Q4 2024 | $103.2M | $92.0M | $60.2M | $11.5M | $1.1M | 1.03% | 4.31% | 0.88% | 8,593 |
| Q3 2024 | $98.0M | $87.4M | $58.6M | $11.2M | $792K | 1.08% | 4.51% | 0.59% | 8,552 |
| Q2 2024 | $99.1M | $88.5M | $59.5M | $11.0M | $537K | 1.08% | 4.31% |
| Ratio | Members Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.69% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 8,480 |
Loan mix (Q1 2026): real estate $3.7M · commercial $365K · consumer $45.4M · securities $50.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 78.7% | 55th |
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 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 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 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 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% |
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