| Metric | Tapco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.8% | +1.6 pts |
| Share growth (YoY) | +6.2% | +4.3% | +1.9 pts |
| Loan growth (YoY) | +4.6% | +4.3% | +0.3 pts |
| ROA | 0.94% | 0.62% | +0.3 pts |
| ROE | 10.0% | 5.9% | +4.1 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $719.3M | $651.2M | $553.4M | $67.1M | $1.7M | 0.94% | 3.54% | 0.23% | 31,873 |
| Q4 2025 | $697.7M | $632.3M | $550.3M | $65.4M | $7.2M | 1.04% | 3.53% | 0.33% | 31,599 |
| Q3 2025 | $690.0M | $623.3M | $546.9M | $62.3M | $4.1M | 0.79% | 3.46% | 0.33% | 31,674 |
| Q2 2025 | $681.8M | $617.2M | $546.7M | $60.7M | $2.5M | 0.74% | 3.41% | 0.29% | 31,236 |
| Q1 2025 | $676.5M | $613.4M | $529.0M | $59.5M | $1.2M | 0.74% | 3.34% | 0.39% | 30,707 |
| Q4 2024 | $658.8M | $596.8M | $517.7M | $58.2M | $3.4M | 0.52% | 3.10% | 0.61% | 30,325 |
| Q3 2024 | $666.5M | $585.4M | $522.0M | $57.3M | $2.5M | 0.50% | 2.99% | 0.80% | 30,268 |
| Q2 2024 | $659.2M | $578.2M | $533.0M | $56.8M | $1.9M | 0.59% | 2.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Tapco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.62% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 30,100 |
Loan mix (Q1 2026): real estate $175.0M · commercial $105.9M · consumer $263.3M · securities $56.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 78.3% | 25th |
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 | Tapco 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 | Tapco 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 | Tapco 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 | Tapco 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.