| Metric | Members Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.1% | +3.8 pts |
| Share growth (YoY) | +8.8% | +3.5% | +5.2 pts |
| Loan growth (YoY) | -0.3% | +2.9% | -3.2 pts |
| ROA | 0.95% | 0.74% | +0.2 pts |
| ROE | 8.4% | 6.5% | +1.9 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $117.5M | $105.9M | $57.9M | $13.2M | $558K | 0.95% | 3.83% | 0.68% | 8,546 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Members Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.74% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 6.5% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 8,552 |
| Q2 2024 | $99.1M | $88.5M | $59.5M | $11.0M | $537K | 1.08% | 4.31% | 0.66% | 8,480 |
Loan mix (Q2 2026): real estate $7.5M · commercial $301K · consumer $47.3M · securities $49.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 77.5% | 53rd |
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 |
|---|---|---|---|---|
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 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Johnson, TX, ranked 11th with 2.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Johnson, TX | 2 | $70.6M* | 2.14% | 11th |
| Waukesha, WI | 1 | $35.3M* | 0.15% | 43rd |
Texas: 577th with 0.00% · Wisconsin: 261st with 0.01% · Dallas-Fort Worth-Arlington metro: 179th, 0.01% · Milwaukee-Waukesha metro: 60th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3