| Metric | Members Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.1% | -0.1 pts |
| Share growth (YoY) | +3.5% | +3.5% | -0.1 pts |
| Loan growth (YoY) | +1.6% | +2.9% | -1.2 pts |
| ROA | 1.06% | 0.74% | +0.3 pts |
| ROE | 7.1% | 6.5% | +0.6 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $477.1M | $404.2M | $187.9M | $70.8M | $2.5M | 1.06% | 4.20% | 0.82% | 46,799 |
| Q1 2026 | $481.8M | $411.9M | $186.5M | $69.1M | $899K | 0.75% | 4.11% | 0.95% | 47,453 |
| Q4 2025 | $460.5M | $390.4M | $186.5M | $68.2M | $4.6M | 0.99% | 4.22% | 1.14% | 47,763 |
| Q3 2025 | $461.3M | $391.8M | $188.5M | $67.5M | $3.5M | 1.01% | 4.18% | 1.07% | 47,600 |
| Q2 2025 | $458.8M | $390.6M | $184.9M | $66.2M | $2.4M | 1.04% | 4.17% | 1.02% | 47,665 |
| Q1 2025 | $454.1M | $387.2M | $186.6M | $64.7M | $886K | 0.78% | 4.11% | 0.77% | 48,425 |
| Q4 2024 | $438.8M | $373.3M | $186.7M | $63.8M | $4.8M | 1.08% | 4.33% | 1.07% | 47,611 |
| Q3 2024 | $440.1M | $375.8M | $189.1M | $63.3M | $3.9M | 1.18% | 4.30% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Members Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.74% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 6.5% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.87% |
| 48,053 |
| Q2 2024 | $441.4M | $378.2M | $189.0M | $62.2M | $2.7M | 1.23% | 4.25% | 0.72% | 48,739 |
Loan mix (Q2 2026): real estate $1.7M · commercial $0 · consumer $177.1M · securities $221.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 77.5% | 19th |
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.
18 branches in 13 counties across 1 state (+1 vs 2025). Biggest market: Forsyth, NC, ranked 18th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Forsyth, NC | 3 | $67.4M* | 0.45% | 18th |
| Catawba, NC | 2 | $44.9M* | 0.85% | 12th |
| Burke, NC | 2 | $44.9M* | 2.60% | 9th |
| 10 more counties with Pro → | ||||
North Carolina: 61st with 0.05% · Winston-Salem metro: 17th, 0.53% · Hickory-Lenoir-Morganton metro: 11th, 1.24% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 16 · 2023 16 · 2024 16 · 2025 17 · 2026 18