| Metric | Tcp Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +1.3% | +8.2 pts |
| Share growth (YoY) | +11.3% | +0.7% | +10.6 pts |
| Loan growth (YoY) | -5.7% | -2.4% | -3.4 pts |
| ROA | 0.33% | 0.60% | -0.3 pts |
| ROE | 2.0% | 4.1% | -2.2 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.0M | $13.2M | $9.9M | $2.7M | $13K | 0.33% | 4.82% | 0.22% | 2,099 |
| Q4 2025 | $15.5M | $12.7M | $10.0M | $2.7M | $57K | 0.37% | 5.22% | 1.48% | 2,148 |
| Q3 2025 | $14.8M | $12.0M | $10.3M | $2.7M | $58K | 0.52% | 5.40% | 2.00% | 2,153 |
| Q2 2025 | $14.8M | $12.0M | $10.6M | $2.7M | $45K | 0.61% | 5.36% | 0.77% | 2,115 |
| Q1 2025 | $14.6M | $11.9M | $10.5M | $2.7M | $31K | 0.84% | 5.29% | 0.94% | 2,064 |
| Q4 2024 | $13.8M | $11.1M | $10.4M | $2.6M | $-11K | -0.08% | 5.49% | 1.03% | 2,028 |
| Q3 2024 | $14.0M | $11.3M | $10.3M | $2.6M | $-36K | -0.34% | 5.37% | 0.79% | 2,004 |
| Q2 2024 | $14.2M | $11.4M | $10.5M | $2.7M | $-11K | -0.15% | 5.15% | 1.28% |
| Ratio | Tcp Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,970 |
Loan mix (Q1 2026): real estate $360K · commercial $0 · consumer $9.3M · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 81.5% | 67th |
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 | Tcp 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 | Tcp 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 | Tcp 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 | Tcp 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.