| Metric | Morton Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.6 pts |
| Share growth (YoY) | +0.4% | +0.9% | -0.5 pts |
| Loan growth (YoY) | +0.4% | -2.6% | +3.0 pts |
| ROA | 0.10% | 0.65% | -0.5 pts |
| ROE | 0.8% | 4.4% | -3.6 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.5M | $4.7M | $3.8M | $741K | $3K | 0.10% | 5.05% | 1.33% | 798 |
| Q1 2026 | $5.3M | $4.6M | $3.9M | $732K | $-6K | -0.42% | 5.22% | 0.62% | 789 |
| Q4 2025 | $5.3M | $4.5M | $3.7M | $738K | $29K | 0.55% | 5.21% | 0.47% | 781 |
| Q3 2025 | $5.1M | $4.3M | $3.7M | $742K | $33K | 0.86% | 5.44% | 0.93% | 777 |
| Q2 2025 | $5.5M | $4.6M | $3.8M | $729K | $20K | 0.73% | 4.99% | 2.46% | 827 |
| Q1 2025 | $5.4M | $4.7M | $3.7M | $716K | $7K | 0.50% | 4.80% | 1.46% | 822 |
| Q4 2024 | $5.3M | $4.5M | $4.0M | $709K | $50K | 0.95% | 5.02% | 0.32% | 814 |
| Q3 2024 | $5.4M | $4.7M | $4.0M | $681K | $22K | 0.55% | 4.71% | 0.10% | 807 |
| Ratio | Morton Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.4% | 23rd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.4M |
| $4.8M |
| $4.0M |
| $667K |
| $9K |
| 0.31% |
| 4.40% |
| 0.13% |
| 855 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $617K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.6% | 80.6% | 76th |
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 | Morton 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 | Morton 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 | Morton 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 | Morton 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 | Morton 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.
4 branches in 1 county across 1 state (+3 vs 2025). Biggest market: Reno, KS, ranked 20th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Reno, KS | 4 | $4.7M* | 0.20% | 20th |
Kansas: 297th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 4