| Metric | Monterey Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.9% | +2.7 pts |
| Share growth (YoY) | +9.1% | +3.3% | +5.8 pts |
| Loan growth (YoY) | +13.6% | +2.9% | +10.6 pts |
| ROA | -0.92% | 0.69% | -1.6 pts |
| ROE | -10.6% | 5.9% | -16.6 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $357.0M | $316.2M | $257.0M | $31.1M | $-823K | -0.92% | 3.32% | 0.99% | 21,026 |
| Q4 2025 | $357.3M | $313.0M | $254.5M | $32.3M | $-2.8M | -0.79% | 3.01% | 1.06% | 20,142 |
| Q3 2025 | $352.6M | $311.2M | $251.9M | $32.7M | $-2.5M | -0.94% | 2.96% | 0.72% | 20,142 |
| Q2 2025 | $353.4M | $299.9M | $250.9M | $33.0M | $-2.2M | -1.25% | 2.76% | 0.61% | 19,609 |
| Q1 2025 | $334.7M | $289.8M | $226.3M | $33.7M | $-1.5M | -1.77% | 2.65% | 0.59% | 19,083 |
| Q4 2024 | $315.4M | $283.4M | $219.9M | $35.2M | $-3.2M | -1.01% | 2.87% | 0.58% | 18,411 |
| Q3 2024 | $328.4M | $297.3M | $220.0M | $36.3M | $-2.6M | -1.06% | 2.67% | 0.87% | 18,214 |
| Q2 2024 | $312.9M | $277.3M | $209.0M | $37.4M | $-1.6M | -1.00% |
| Ratio | Monterey Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.92% | 0.69% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -10.6% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.78% |
| 0.75% |
| 17,878 |
Loan mix (Q1 2026): real estate $113.5M · commercial $0 · consumer $137.3M · securities $51.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.6% | 78.7% | 99th |
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 | Monterey 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 | Monterey 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 | Monterey 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 | Monterey 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.