| Metric | Mill Town Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.2% | +1.3% | -5.5 pts |
| Share growth (YoY) | -4.4% | +0.9% | -5.3 pts |
| Loan growth (YoY) | -8.8% | -2.6% | -6.2 pts |
| ROA | 0.71% | 0.65% | +0.1 pts |
| ROE | 3.1% | 4.4% | -1.2 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $59.9M | $46.5M | $43.1M | $13.4M | $211K | 0.71% | 4.91% | 2.18% | 3,423 |
| Q1 2026 | $59.5M | $45.9M | $46.7M | $13.4M | $188K | 1.26% | 5.06% | 2.61% | 3,509 |
| Q4 2025 | $62.1M | $48.0M | $48.8M | $14.0M | $-48K | -0.08% | 4.92% | 2.28% | 3,563 |
| Q3 2025 | $62.1M | $48.0M | $51.0M | $14.0M | $-76K | -0.16% | 4.86% | 2.23% | 3,594 |
| Q2 2025 | $62.5M | $48.6M | $47.3M | $14.0M | $-11K | -0.04% | 4.67% | 2.37% | 3,504 |
| Q1 2025 | $63.0M | $48.9M | $43.2M | $14.0M | $564 | 0.00% | 4.52% | 2.58% | 3,484 |
| Q4 2024 | $62.1M | $48.0M | $41.9M | $14.0M | $424K | 0.68% | 4.51% | 3.79% | 3,432 |
| Q3 2024 | $62.4M | $48.1M | $43.2M | $13.9M | $298K | 0.64% | 4.47% | 3.05% |
| Ratio | Mill Town Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.65% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,534 |
| Q2 2024 | $65.5M | $51.7M | $44.5M | $13.7M | $44K | 0.13% | 4.25% | 2.48% | 3,596 |
Loan mix (Q2 2026): real estate $9.2M · commercial $0 · consumer $33.3M · securities $5.3M
87th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 80.6% | 32nd |
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 | Mill Town 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 | Mill Town Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Mill Town 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 | Mill Town 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 | Mill Town 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Snohomish, WA, ranked 36th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Snohomish, WA | 1 | $46.5M* | 0.16% | 36th |
Washington: 130th with 0.02% · Seattle-Tacoma-Bellevue metro: 73rd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1