PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Members America

Kansas City, MO · Charter 67664

NCUA · 39 branches

Q3 2025

$5.4BAssets
$3.7BLoans
$4.8BShares
$562.9MNet 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 0.91%, up 35 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.89% of loans (+32 bps YoY).
  • Capital: net worth / assets of 10.34%, up 92 bps from a year ago.
  • Funding: loans stand at 78.20% of shares as of Q3 2025.

Financial Results

Return on Assets (quarter, annualized)

0.91%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.48%+54 bps YoY

Efficiency Ratio (quarter, annualized)

77.50%-426 bps YoY

Net Worth / Assets

10.34%+92 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.56%0.71%0.16%0.80%0.91%+35 bps
Return on Equity5.91%6.86%1.59%7.86%8.80%+289 bps
Net Interest Margin2.94%3.23%3.36%3.43%3.48%+54 bps
Efficiency Ratio81.76%79.66%86.83%79.03%77.50%-426 bps
Growth
Asset Growth (YoY)16.16%6.20%0.42%0.33%0.34%-1,581 bps
Loan Growth (YoY)7.27%8.26%9.90%9.60%11.32%+405 bps
Share Growth (YoY)6.58%7.99%13.22%12.74%12.48%+590 bps
Asset Quality
Delinquent Loans / Loans0.58%0.64%0.71%0.66%0.89%+32 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 Capital9.42%10.28%9.90%10.16%10.34%+92 bps
Net Worth / Assets9.42%10.28%9.90%10.16%10.34%+92 bps
Liquidity & Funding
Loans / Shares79.01%80.46%75.80%76.44%78.20%-81 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps