| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +3.9% | +5.4 pts |
| Share growth (YoY) | +10.7% | +3.3% | +7.4 pts |
| Loan growth (YoY) | +13.6% | +2.9% | +10.6 pts |
| ROA | 0.06% | 0.69% | -0.6 pts |
| ROE | 0.5% | 5.9% | -5.5 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $299.9M | $256.4M | $193.0M | $38.5M | $43K | 0.06% | 4.06% | 0.92% | 15,990 |
| Q4 2025 | $295.0M | $251.6M | $187.7M | $38.4M | $629K | 0.21% | 4.16% | 0.93% | 16,053 |
| Q3 2025 | $277.7M | $234.5M | $179.8M | $38.3M | $544K | 0.26% | 4.38% | 1.14% | 16,102 |
| Q2 2025 | $281.2M | $234.0M | $170.1M | $38.1M | $279K | 0.20% | 4.24% | 1.16% | 16,123 |
| Q1 2025 | $274.4M | $231.6M | $170.0M | $38.1M | $243K | 0.35% | 4.23% | 1.25% | 16,289 |
| Q4 2024 | $271.6M | $229.0M | $172.8M | $37.9M | $425K | 0.16% | 4.09% | 1.37% | 16,436 |
| Q3 2024 | $281.2M | $228.6M | $169.1M | $38.0M | $542K | 0.26% | 3.88% | 1.20% | 16,731 |
| Q2 2024 | $283.0M | $229.2M | $166.3M | $37.7M | $196K | 0.14% | 3.77% |
| Ratio | Mtc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.69% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.73% |
| 16,852 |
Loan mix (Q1 2026): real estate $62.2M · commercial $31.2M · consumer $88.1M · securities $59.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 78.7% | 86th |
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 | Mtc Federal 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 | Mtc Federal 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 | Mtc Federal 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 | Mtc Federal 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 | Mtc Federal 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.
9 branches in 6 counties across 3 states (+1 vs 2024). Biggest market: Greenville, SC, ranked 30th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greenville, SC | 4 | $104.0M* | 0.50% | 30th |
| Dale, AL | 1 | $26.0M* | 2.86% | 5th |
| Anderson, SC | 1 | $26.0M* | 0.58% | 18th |
| 3 more counties with Pro → | ||||
South Carolina: 73rd with 0.12% · Oklahoma: 228th with 0.02% · Alabama: 192nd with 0.02% · Greenville-Anderson-Greer metro: 33rd, 0.44% · Columbia metro: 39th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 9 · 2023 8 · 2024 8 · 2025 9