| Metric | Memorial Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -1.3% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -13.6% | -2.4% | -11.2 pts |
| ROA | -0.81% | 0.60% | -1.4 pts |
| ROE | -5.7% | 4.1% | -9.8 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.9M | $5.9M | $3.4M | $972K | $-14K | -0.81% | 4.93% | 0.25% | 1,276 |
| Q4 2025 | $7.1M | $6.1M | $3.7M | $986K | $3K | 0.04% | 4.83% | 0.26% | 1,281 |
| Q3 2025 | $7.0M | $5.9M | $3.8M | $978K | $-5K | -0.09% | 4.89% | 1.16% | 1,288 |
| Q2 2025 | $7.1M | $6.1M | $3.8M | $979K | $-4K | -0.12% | 4.69% | 1.00% | 1,285 |
| Q1 2025 | $6.9M | $5.9M | $3.9M | $979K | $-3K | -0.20% | 4.70% | 0.75% | 1,303 |
| Q4 2024 | $7.0M | $6.0M | $4.1M | $983K | $-29K | -0.42% | 4.51% | 0.47% | 1,315 |
| Q3 2024 | $7.1M | $6.1M | $4.4M | $991K | $-21K | -0.39% | 4.44% | 0.23% | 1,322 |
| Q2 2024 | $7.2M | $6.2M | $4.8M | $1.0M | $-6K | -0.18% | 4.28% | 1.07% | 1,324 |
| Ratio | Memorial Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.81% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -5.7% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.6% | 81.5% | 92th |
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 | Memorial 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 | Memorial 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 | Memorial 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 | Memorial 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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