| Metric | Mtcu Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +3.9% | -4.0 pts |
| Share growth (YoY) | -1.7% | +3.3% | -5.0 pts |
| Loan growth (YoY) | +9.0% | +2.9% | +6.1 pts |
| ROA | 0.11% | 0.69% | -0.6 pts |
| ROE | 0.9% | 5.9% | -5.1 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $136.2M | $120.5M | $86.2M | $17.0M | $38K | 0.11% | 4.36% | 0.89% | 7,306 |
| Q4 2025 | $134.8M | $119.2M | $85.4M | $17.0M | $472K | 0.35% | 4.73% | 0.32% | 7,251 |
| Q3 2025 | $135.0M | $120.3M | $82.8M | $16.8M | $149K | 0.15% | 4.63% | 0.42% | 7,224 |
| Q2 2025 | $134.9M | $120.8M | $80.9M | $16.7M | $-376K | -0.56% | 4.61% | 0.48% | 7,191 |
| Q1 2025 | $136.3M | $122.6M | $79.1M | $16.7M | $-162K | -0.48% | 4.57% | 0.46% | 7,214 |
| Q4 2024 | $135.0M | $121.8M | $80.2M | $16.6M | $182K | 0.13% | 4.56% | 0.63% | 7,210 |
| Q3 2024 | $135.9M | $122.7M | $79.8M | $16.5M | $650K | 0.64% | 4.55% | 1.03% | 7,235 |
| Q2 2024 | $136.7M | $124.6M | $78.9M | $16.2M | $562K | 0.82% | 4.50% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Mtcu Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.69% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 5.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 7,289 |
Loan mix (Q1 2026): real estate $36.0M · commercial $0 · consumer $48.5M · securities $29.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.2% | 78.7% | 93th |
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 | Mtcu 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 | Mtcu 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 | Mtcu 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 | Mtcu 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.