PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Members Trust

Mason, OH · Charter 15874

NCUA · 2 branches

Q2 2026

$23.4MAssets
$13.2MLoans
$18.8MShares
$4.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.67%, up 47 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.05% of loans (-30 bps YoY).
  • Capital: net worth / assets of 19.11%, up 171 bps from a year ago.
  • Funding: loans stand at 70.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+19 bps YoY

Efficiency Ratio (YTD, annualized)

79.10%-1,634 bps YoY

Net Worth / Assets

19.11%+171 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.16%0.14%0.02%0.67%+47 bps
Return on Equity1.20%0.87%0.71%0.10%3.53%+233 bps
Net Interest Margin3.38%3.68%3.72%3.41%3.57%+19 bps
Efficiency Ratio95.45%96.12%95.78%89.28%79.10%-1,634 bps
Growth
Asset Growth (YoY)-2.80%-4.60%-5.64%-2.49%-8.76%-597 bps
Loan Growth (YoY)-7.37%-6.68%-6.97%-8.85%-7.91%-54 bps
Share Growth (YoY)-2.62%-5.66%-7.21%-3.31%-10.94%-832 bps
Asset Quality
Delinquent Loans / Loans0.35%0.52%0.58%0.16%0.05%-30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.40%18.99%19.39%18.56%19.11%+171 bps
Net Worth / Assets17.40%18.99%19.39%18.56%19.11%+171 bps
Liquidity & Funding
Loans / Shares67.71%75.33%76.81%69.40%70.01%+230 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps