Mount Vernon Baptist Church Credit Union
Total assets
$147K
▲ +6.2% YoY
Shares & deposits
$94K
▲ +5.4% YoY
Loans
$9K
▼ -15.0% YoY
Members
280
▲ +37.9% YoY
ROA (annualized)
1.21%
peers 0.60%
ROE (annualized)
3.36%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.8 pts |
| Loan growth (YoY) | -15.0% | -2.4% | -12.7 pts |
| ROA | 1.21% | 0.60% | +0.6 pts |
| ROE | 3.4% | 4.1% | -0.7 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- 1007 S Roxboro St, Durham, NC, 27707
- NCUA charter #
- 63595
- RSSD ID
- 902298
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $147K | $94K | $9K | $53K | $446 | 1.21% | 4.63% | 3.08% | 280 |
| Q4 2025 | $145K | $92K | $8K | $53K | $3K | 2.13% | 4.36% | 41.86% | 280 |
| Q3 2025 | $140K | $89K | $9K | $51K | $2K | 1.57% | 4.53% | 4.52% | 206 |
| Q2 2025 | $139K | $89K | $10K | $49K | $-330 | -0.48% | 4.26% | 3.78% | 206 |
| Q1 2025 | $138K | $89K | $10K | $49K | $-204 | -0.59% | 4.77% | 34.60% | 203 |
| Q4 2024 | $138K | $87K | $15K | $49K | $116 | 0.08% | 2.60% | 59.27% | 190 |
| Q3 2024 | $137K | $85K | $17K | $50K | $926 | 0.90% | 3.16% | 4.97% | 181 |
| Q2 2024 | $135K | $85K | $17K | $49K | $-499 | -0.74% | 0.84% | 1.90% | 320 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9K · securities $103K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.83% | 81th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 81.5% | 36th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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