| Metric | Members Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.7% | +1.3% | -8.0 pts |
| Share growth (YoY) | -8.1% | +0.7% | -8.8 pts |
| Loan growth (YoY) | +1.8% | -2.4% | +4.1 pts |
| ROA | 0.40% | 0.60% | -0.2 pts |
| ROE | 3.4% | 4.1% | -0.7 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.9M | $38.4M | $37.5M | $5.2M | $44K | 0.40% | 4.76% | 0.90% | 4,056 |
| Q4 2025 | $43.4M | $37.8M | $36.9M | $5.2M | $342K | 0.79% | 4.98% | 0.94% | 4,032 |
| Q3 2025 | $42.6M | $37.1M | $36.8M | $5.2M | $279K | 0.87% | 5.09% | 1.13% | 4,002 |
| Q2 2025 | $46.2M | $40.9M | $36.6M | $5.1M | $211K | 0.91% | 4.70% | 1.50% | 3,977 |
| Q1 2025 | $47.1M | $41.8M | $36.8M | $5.0M | $83K | 0.71% | 4.51% | 1.20% | 3,960 |
| Q4 2024 | $43.1M | $38.0M | $38.2M | $4.9M | $470K | 1.09% | 5.10% | 0.98% | 3,948 |
| Q3 2024 | $43.3M | $38.2M | $38.7M | $4.8M | $378K | 1.16% | 5.13% | 0.72% | 3,922 |
| Q2 2024 | $44.2M | $39.2M | $38.3M | $4.7M | $440K | 1.99% | 5.01% | 0.98% |
| Ratio | Members Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,890 |
Loan mix (Q1 2026): real estate $21.9M · commercial $0 · consumer $15.1M · securities $832K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.6% | 81.5% | 74th |
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.
2 branches in 2 counties across 2 states (+0 vs 2024). Biggest market: Western Connecticut, CT, ranked 34th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Western Connecticut, CT | 1 | $20.4M* | 0.06% | 34th |
| Salt Lake, UT | 1 | $20.4M* | 0.00% | 77th |
Utah: 108th with 0.00% · Connecticut: 102nd with 0.01% · Salt Lake City-Murray metro: 77th, 0.00% · Bridgeport-Stamford-Danbury metro: 41st, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2