| Metric | Tecumseh Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +3.0% | -3.7 pts |
| Deposit growth (YoY) | +1.0% | +2.5% | -1.5 pts |
| Loan growth (YoY) | +0.5% | +2.6% | -2.1 pts |
| ROA | 0.26% | 0.99% | -0.7 pts |
| ROE | 1.3% | 8.1% | -6.8 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.1M | $36.3M | $25.8M | $11.1M | $70K | 0.26% | 2.65% | 0.08% |
| Q1 2026 | $53.4M | $36.7M | $25.8M | $11.2M | $11K | 0.08% | 2.61% | 0.08% |
| Q4 2025 | $53.4M | $36.7M | $25.9M | $11.1M | $84K | 0.16% | 2.30% | 0.33% |
| Q3 2025 | $53.2M | $35.9M | $25.4M | $11.1M | $86K | 0.22% | 2.23% | 0.25% |
| Q2 2025 | $53.5M | $36.0M | $25.7M | $10.8M | $38K | 0.14% | 2.19% | 0.10% |
| Q1 2025 | $53.4M | $36.0M | $26.2M | $10.8M | $-2K | -0.02% | 2.16% | 0.13% |
| Q4 2024 | $52.8M | $36.5M | $27.3M | $10.6M | $-78K | -0.15% | 2.22% | 0.19% |
| Q3 2024 | $51.8M | $35.2M | $27.0M | $10.8M | $-82K | -0.21% | 2.23% | 0.28% |
Loan mix (Q2 2026): real estate $21.2M · commercial $1.8M · consumer $410K · securities $13.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Tecumseh Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.99% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 8.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 70.8% | 78th |
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 | Tecumseh Federal Bank | 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 | Tecumseh Federal Bank | 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 | Tecumseh Federal Bank | 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 | Tecumseh Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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