Tba Credit Union
Total assets
$383.8M
▲ +3.7% YoY
Shares & deposits
$323.9M
▲ +3.1% YoY
Loans
$261.3M
▲ +4.1% YoY
Members
20,600
▲ +4.0% YoY
ROA (annualized)
1.09%
peers 0.69%
ROE (annualized)
7.44%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Tba Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +3.9% | -0.2 pts |
| Share growth (YoY) | +3.1% | +3.3% | -0.2 pts |
| Loan growth (YoY) | +4.0% | +2.9% | +1.1 pts |
| ROA | 1.09% | 0.69% | +0.4 pts |
| ROE | 7.4% | 5.9% | +1.5 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 1049, Traverse City, MI, 49685
- NCUA charter #
- 61795
- RSSD ID
- 698096
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $383.8M | $323.9M | $261.3M | $56.4M | $1.0M | 1.09% | 4.46% | 1.65% | 20,600 |
| Q4 2025 | $377.8M | $319.0M | $261.6M | $55.2M | $5.2M | 1.37% | 4.37% | 1.91% | 20,639 |
| Q3 2025 | $372.8M | $315.6M | $264.6M | $54.4M | $4.0M | 1.44% | 4.28% | 1.06% | 20,413 |
| Q2 2025 | $373.1M | $316.5M | $261.1M | $53.0M | $2.7M | 1.43% | 4.14% | 1.31% | 20,198 |
| Q1 2025 | $370.1M | $314.2M | $251.1M | $51.6M | $1.2M | 1.29% | 4.01% | 0.92% | 19,810 |
| Q4 2024 | $368.9M | $314.2M | $247.8M | $50.4M | $4.6M | 1.24% | 3.48% | 1.45% | 19,711 |
| Q3 2024 | $362.9M | $310.0M | $246.2M | $49.4M | $3.3M | 1.20% | 3.39% | 1.28% | 19,465 |
| Q2 2024 | $353.4M | $302.1M | $240.0M | $48.2M | $2.0M | 1.15% | 3.35% | 0.46% | 19,282 |
Loan mix (Q1 2026): real estate $87.6M · commercial $38.9M · consumer $107.5M · securities $90.4M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Tba Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.69% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 5.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.62% | 89th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 78.7% | 21th | |
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% |
Balance sheet
| Ratio | Tba 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% |
Capital
| Ratio | Tba 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% |
Credit quality
| Ratio | Tba 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% |
Franchise
| Ratio | Tba 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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