| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.4 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.7 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.9M | $44.2M | $22.4M | $6.7M | $33K | 0.26% | 3.74% | 0.16% | 4,685 |
| Q4 2025 | $48.4M | $42.4M | $22.1M | $6.6M | $476K | 0.98% | 4.21% | 0.20% | 4,711 |
| Q3 2025 | $49.7M | $42.9M | $21.3M | $6.6M | $406K | 1.09% | 4.12% | 0.32% | 4,702 |
| Q2 2025 | $50.1M | $43.3M | $21.6M | $6.4M | $263K | 1.05% | 4.10% | 0.17% | 4,743 |
| Q1 2025 | $50.8M | $44.1M | $21.9M | $6.3M | $154K | 1.21% | 4.12% | 0.21% | 4,748 |
| Q4 2024 | $48.4M | $41.7M | $22.5M | $6.2M | $642K | 1.33% | 4.14% | 0.20% | 4,704 |
| Q3 2024 | $49.1M | $42.4M | $22.9M | $6.0M | $474K | 1.29% | 4.03% | 0.15% | 4,692 |
| Q2 2024 | $47.7M | $40.9M | $22.0M | $5.9M | $345K | 1.45% | 4.08% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Metro Plus Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,692 |
Loan mix (Q1 2026): real estate $9.4M · commercial $0 · consumer $11.9M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 81.5% | 72th |
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 Plus 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 | Metro Plus 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 | Metro Plus 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 | Metro Plus 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.