Municipal Credit Union
Total assets
$5.10B
▲ +10.8% YoY
Shares & deposits
$4.48B
▲ +10.1% YoY
Loans
$3.26B
▲ +17.4% YoY
Members
640,990
▲ +2.6% YoY
ROA (annualized)
1.62%
peers 0.71%
ROE (annualized)
14.38%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Municipal Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +5.1% | +5.7 pts |
| Share growth (YoY) | +10.1% | +4.9% | +5.3 pts |
| Loan growth (YoY) | +17.4% | +5.4% | +11.9 pts |
| ROA | 1.62% | 0.71% | +0.9 pts |
| ROE | 14.4% | 6.3% | +8.1 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
Profile
- Established
- 1917
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 22 Cortlandt St, New York, NY, 10007
- NCUA charter #
- 60153
- RSSD ID
- 210797
- 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 | $5.10B | $4.48B | $3.26B | $576.2M | $20.7M | 1.62% | 4.05% | 1.29% | 640,990 |
| Q4 2025 | $4.90B | $4.28B | $3.13B | $555.5M | $54.1M | 1.10% | 4.09% | 1.57% | 631,649 |
| Q3 2025 | $4.68B | $4.08B | $3.02B | $540.6M | $39.2M | 1.12% | 4.24% | 1.44% | 636,774 |
| Q2 2025 | $4.62B | $4.05B | $2.87B | $524.6M | $23.2M | 1.00% | 4.23% | 1.31% | 631,070 |
| Q1 2025 | $4.60B | $4.06B | $2.78B | $523.0M | $15.5M | 1.35% | 4.13% | 1.25% | 624,941 |
| Q4 2024 | $4.49B | $3.94B | $2.74B | $507.5M | $74.4M | 1.66% | 4.20% | 1.70% | 617,977 |
| Q3 2024 | $4.38B | $3.90B | $2.68B | $495.8M | $62.8M | 1.91% | 4.30% | 1.55% | 624,091 |
| Q2 2024 | $4.35B | $3.89B | $2.60B | $477.0M | $44.0M | 2.02% | 4.27% | 1.62% | 616,846 |
Loan mix (Q1 2026): real estate $1.89B · commercial $0 · consumer $1.30B · securities $1.04B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Municipal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.71% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 6.3% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.32% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 73.0% | 15th | |
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 | Municipal 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% |
Capital
| Ratio | Municipal 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% |
Credit quality
| Ratio | Municipal 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% |
Franchise
| Ratio | Municipal 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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