| Metric | Metco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.5 pts |
| Loan growth (YoY) | +5.7% | -2.4% | +8.1 pts |
| ROA | 2.18% | 0.60% | +1.6 pts |
| ROE | 12.0% | 4.1% | +7.9 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.2M | $47.3M | $33.3M | $10.6M | $318K | 2.18% | 4.39% | 0.25% | 3,282 |
| Q4 2025 | $56.7M | $46.1M | $33.5M | $10.3M | $1.5M | 2.65% | 4.39% | 0.18% | 3,267 |
| Q3 2025 | $57.1M | $46.9M | $33.5M | $9.9M | $1.1M | 2.68% | 4.28% | 0.24% | 3,271 |
| Q2 2025 | $56.2M | $46.4M | $32.6M | $9.5M | $717K | 2.55% | 4.27% | 0.30% | 3,260 |
| Q1 2025 | $55.2M | $45.8M | $31.5M | $9.1M | $290K | 2.10% | 4.24% | 0.35% | 3,231 |
| Q4 2024 | $53.3M | $44.3M | $31.6M | $8.8M | $1.4M | 2.54% | 4.36% | 0.23% | 3,220 |
| Q3 2024 | $53.6M | $44.8M | $32.0M | $8.5M | $1.1M | 2.66% | 4.26% | 0.28% | 3,234 |
| Q2 2024 | $52.8M | $44.2M | $32.5M | $8.1M | $701K | 2.65% | 4.27% | 0.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Metco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.18% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,235 |
Loan mix (Q1 2026): real estate $18.0M · commercial $6.3M · consumer $8.8M · securities $14.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 81.5% | 7th |
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 | Metco 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 | Metco 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 | Metco 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 | Metco 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.