| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +3.9% | -0.3 pts |
| Share growth (YoY) | +6.0% | +3.3% | +2.7 pts |
| Loan growth (YoY) | -3.1% | +2.9% | -6.1 pts |
| ROA | 0.39% | 0.69% | -0.3 pts |
| ROE | 4.1% | 5.9% | -1.8 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $292.0M | $264.7M | $213.4M | $27.7M | $285K | 0.39% | 3.48% | 0.25% | 14,607 |
| Q4 2025 | $287.7M | $258.4M | $218.2M | $27.4M | $1.5M | 0.51% | 3.35% | 0.44% | 14,589 |
| Q3 2025 | $283.7M | $254.1M | $217.8M | $27.3M | $1.1M | 0.54% | 3.33% | 0.32% | 14,531 |
| Q2 2025 | $284.1M | $261.6M | $218.2M | $26.7M | $585K | 0.41% | 3.23% | 0.25% | 14,547 |
| Q1 2025 | $281.8M | $249.7M | $220.3M | $26.3M | $204K | 0.29% | 3.14% | 0.21% | 14,463 |
| Q4 2024 | $283.8M | $236.9M | $224.0M | $26.1M | $435K | 0.15% | 2.89% | 0.34% | 14,469 |
| Q3 2024 | $295.3M | $235.5M | $226.5M | $26.1M | $303K | 0.14% | 2.74% | 0.24% | 14,482 |
| Q2 2024 | $299.5M | $241.6M | $226.0M | $25.9M | $83K | 0.06% | 2.65% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Tct Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.69% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.23% |
| 14,430 |
Loan mix (Q1 2026): real estate $114.0M · commercial $11.2M · consumer $79.2M · securities $58.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 78.7% | 79th |
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 | Tct Federal 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 | Tct Federal 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 | Tct Federal 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 | Tct Federal 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.