| Metric | Meriwest Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +5.1% | -3.3 pts |
| Share growth (YoY) | +3.9% | +4.9% | -1.0 pts |
| Loan growth (YoY) | -4.5% | +5.4% | -10.0 pts |
| ROA | 0.03% | 0.71% | -0.7 pts |
| ROE | 0.4% | 6.3% | -5.9 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.16B | $1.75B | $1.58B | $191.6M | $182K | 0.03% | 2.56% | 1.02% | 76,513 |
| Q4 2025 | $2.14B | $1.73B | $1.61B | $191.4M | $-3.1M | -0.14% | 2.51% | 1.18% | 77,317 |
| Q3 2025 | $2.13B | $1.69B | $1.63B | $195.6M | $1.1M | 0.07% | 2.52% | 1.13% | 77,409 |
| Q2 2025 | $2.10B | $1.67B | $1.64B | $195.9M | $916K | 0.09% | 2.54% | 1.05% | 77,323 |
| Q1 2025 | $2.13B | $1.69B | $1.65B | $195.1M | $602K | 0.11% | 2.51% | 1.05% | 79,588 |
| Q4 2024 | $2.10B | $1.66B | $1.65B | $194.5M | $5.5M | 0.26% | 2.55% | 0.78% | 79,486 |
| Q3 2024 | $2.11B | $1.67B | $1.64B | $193.3M | $4.3M | 0.27% | 2.55% | 1.45% | 79,531 |
| Q2 2024 | $2.17B | $1.73B | $1.66B | $190.9M | $1.9M | 0.18% | 2.47% |
| Ratio | Meriwest Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.71% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 6.3% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.71% |
| 79,524 |
Loan mix (Q1 2026): real estate $1.05B · commercial $257.5M · consumer $166.1M · securities $381.3M
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 | Meriwest 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 | Meriwest 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 | Meriwest 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 | Meriwest 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.