| Metric | Monterra Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.1% | +0.7 pts |
| Share growth (YoY) | +5.8% | +4.9% | +0.9 pts |
| Loan growth (YoY) | +4.9% | +5.4% | -0.5 pts |
| ROA | 0.96% | 0.71% | +0.2 pts |
| ROE | 7.4% | 6.3% | +1.2 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.92B | $1.65B | $1.51B | $248.1M | $4.6M | 0.96% | 3.31% | 0.35% | 100,322 |
| Q4 2025 | $1.87B | $1.60B | $1.50B | $243.5M | $20.9M | 1.11% | 3.24% | 0.41% | 99,163 |
| Q3 2025 | $1.86B | $1.59B | $1.47B | $238.2M | $14.6M | 1.05% | 3.23% | 0.69% | 98,214 |
| Q2 2025 | $1.83B | $1.57B | $1.47B | $232.9M | $9.3M | 1.01% | 3.20% | 0.51% | 97,370 |
| Q1 2025 | $1.81B | $1.56B | $1.44B | $228.0M | $4.3M | 0.96% | 3.18% | 0.37% | 96,862 |
| Q4 2024 | $1.76B | $1.52B | $1.43B | $223.6M | $19.4M | 1.10% | 3.21% | 0.36% | 96,616 |
| Q3 2024 | $1.75B | $1.51B | $1.42B | $219.3M | $14.0M | 1.07% | 3.21% | 0.50% | 96,523 |
| Q2 2024 | $1.73B | $1.50B | $1.41B | $214.3M | $9.1M | 1.04% | 3.21% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Monterra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.71% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 6.3% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 95,913 |
Loan mix (Q1 2026): real estate $1.04B · commercial $76.1M · consumer $390.6M · securities $26.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 73.0% | 53th |
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 | Monterra 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 | Monterra 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 | Monterra 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 | Monterra 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.