| Metric | Meritrust Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +133.5% | +5.1% | +128.4 pts |
| Share growth (YoY) | +135.1% | +4.9% | +130.2 pts |
| Loan growth (YoY) | +132.7% | +5.4% | +127.3 pts |
| ROA | 0.26% | 0.71% | -0.5 pts |
| ROE | 3.3% | 6.3% | -3.0 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.19B | $3.53B | $3.07B | $335.7M | $2.7M | 0.26% | 3.01% | 0.40% | 209,548 |
| Q4 2025 | $4.07B | $3.41B | $3.03B | $333.0M | $11.3M | 0.28% | 2.63% | 0.43% | 206,803 |
| Q3 2025 | $3.97B | $3.32B | $2.93B | $320.7M | $-1.9M | -0.07% | 2.80% | 0.52% | 204,543 |
| Q2 2025 | $1.79B | $1.52B | $1.33B | $159.7M | $900K | 0.10% | 2.67% | 0.45% | 78,788 |
| Q1 2025 | $1.80B | $1.50B | $1.32B | $159.2M | $362K | 0.08% | 2.63% | 0.34% | 78,788 |
| Q4 2024 | $1.81B | $1.47B | $1.32B | $158.8M | $4.0M | 0.22% | 2.63% | 0.35% | 78,341 |
| Q3 2024 | $1.75B | $1.44B | $1.31B | $158.8M | $3.1M | 0.23% | 2.72% | 0.37% | 77,685 |
| Q2 2024 | $1.75B | $1.43B | $1.28B | $157.6M | $1.9M | 0.22% | 2.72% |
| Ratio | Meritrust Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.71% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 6.3% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 76,931 |
Loan mix (Q1 2026): real estate $1.54B · commercial $396.3M · consumer $1.10B · securities $507.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 73.0% | 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 | Meritrust 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 | Meritrust 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 | Meritrust 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 | Meritrust 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.