| Metric | Mountain Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.0 pts |
| Share growth (YoY) | +2.4% | +3.3% | -0.9 pts |
| Loan growth (YoY) | +1.7% | +2.9% | -1.2 pts |
| ROA | 0.48% | 0.69% | -0.2 pts |
| ROE | 4.3% | 5.9% | -1.7 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $370.2M | $325.5M | $208.0M | $41.1M | $441K | 0.48% | 4.06% | 0.69% | 31,225 |
| Q4 2025 | $365.9M | $322.8M | $203.7M | $40.7M | $2.9M | 0.79% | 4.27% | 0.79% | 31,129 |
| Q3 2025 | $359.6M | $317.2M | $201.9M | $40.5M | $2.3M | 0.87% | 4.33% | 0.81% | 31,082 |
| Q2 2025 | $362.3M | $320.9M | $203.2M | $39.6M | $1.5M | 0.83% | 4.21% | 0.85% | 31,032 |
| Q1 2025 | $356.1M | $318.0M | $204.5M | $38.8M | $646K | 0.73% | 4.17% | 0.86% | 30,923 |
| Q4 2024 | $348.0M | $309.8M | $208.4M | $38.2M | $2.8M | 0.80% | 4.14% | 0.80% | 30,856 |
| Q3 2024 | $339.7M | $303.5M | $210.7M | $37.8M | $2.0M | 0.79% | 4.24% | 0.78% | 30,784 |
| Q2 2024 | $345.0M | $305.5M | $215.4M | $37.1M | $1.4M | 0.80% | 4.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Mountain Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.69% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 30,759 |
Loan mix (Q1 2026): real estate $75.4M · commercial $7.6M · consumer $117.4M · securities $55.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.6% | 78.7% | 74th |
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 | Mountain 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 | Mountain 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 | Mountain 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 | Mountain 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.