| Metric | Metro CU | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.8% | +2.6 pts |
| Share growth (YoY) | +7.2% | +4.3% | +2.9 pts |
| Loan growth (YoY) | +26.2% | +4.3% | +21.9 pts |
| ROA | 1.13% | 0.62% | +0.5 pts |
| ROE | 9.0% | 5.9% | +3.1 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $642.7M | $551.4M | $438.7M | $80.6M | $1.8M | 1.13% | 3.23% | 0.21% | 44,832 |
| Q4 2025 | $617.0M | $527.4M | $414.6M | $78.8M | $7.3M | 1.19% | 3.40% | 0.30% | 44,368 |
| Q3 2025 | $604.0M | $516.3M | $383.1M | $76.7M | $5.2M | 1.16% | 3.47% | 0.28% | 43,893 |
| Q2 2025 | $602.8M | $517.4M | $358.0M | $74.9M | $3.5M | 1.15% | 3.45% | 0.33% | 43,710 |
| Q1 2025 | $598.6M | $514.4M | $347.6M | $72.9M | $1.5M | 0.99% | 3.40% | 0.29% | 43,687 |
| Q4 2024 | $580.0M | $499.2M | $352.1M | $71.4M | $4.9M | 0.85% | 3.39% | 0.45% | 43,849 |
| Q3 2024 | $584.1M | $505.9M | $347.2M | $70.3M | $3.8M | 0.88% | 3.31% | 0.45% | 43,988 |
| Q2 2024 | $589.7M | $509.5M | $343.3M | $69.0M | $2.6M | 0.87% | 3.25% |
| Ratio | Metro CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.62% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 5.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 44,156 |
Loan mix (Q1 2026): real estate $213.5M · commercial $0 · consumer $218.0M · securities $55.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 78.3% | 21th |
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 | Metro CU | 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 | Metro CU | 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 | Metro CU | 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 | Metro CU | 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.