| Metric | Taylor Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +5.6% | +0.7% | +5.0 pts |
| Loan growth (YoY) | -5.0% | -2.4% | -2.7 pts |
| ROA | 0.64% | 0.60% | +0.0 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $88.4M | $79.1M | $45.1M | $9.0M | $141K | 0.64% | 3.51% | 0.23% | 7,292 |
| Q4 2025 | $86.6M | $77.3M | $45.5M | $8.8M | $732K | 0.84% | 3.50% | 0.25% | 7,333 |
| Q3 2025 | $84.7M | $75.7M | $46.8M | $8.7M | $548K | 0.86% | 3.55% | 0.19% | 7,361 |
| Q2 2025 | $83.7M | $75.0M | $47.4M | $8.5M | $373K | 0.89% | 3.52% | 0.17% | 7,393 |
| Q1 2025 | $83.7M | $74.9M | $47.5M | $8.3M | $175K | 0.83% | 3.45% | 0.19% | 7,423 |
| Q4 2024 | $82.0M | $73.3M | $49.3M | $8.1M | $685K | 0.84% | 3.45% | 0.21% | 7,452 |
| Q3 2024 | $79.0M | $70.7M | $50.6M | $8.1M | $561K | 0.95% | 3.57% | 0.27% | 7,489 |
| Q2 2024 | $79.7M | $71.2M | $50.9M | $7.9M | $371K | 0.93% | 3.51% | 0.17% |
| Ratio | Taylor Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,490 |
Loan mix (Q1 2026): real estate $21.2M · commercial $1.4M · consumer $19.6M · securities $29.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 81.5% | 59th |
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 | Taylor 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 | Taylor 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 | Taylor 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 | Taylor 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.