| Metric | Teachers Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +1.3% | -5.4 pts |
| Share growth (YoY) | -5.5% | +0.7% | -6.2 pts |
| Loan growth (YoY) | +7.2% | -2.4% | +9.6 pts |
| ROA | 0.99% | 0.60% | +0.4 pts |
| ROE | 8.2% | 4.1% | +4.1 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.6M | $33.0M | $17.5M | $4.5M | $93K | 0.99% | 4.02% | 0.16% | 2,196 |
| Q4 2025 | $37.2M | $32.7M | $17.5M | $4.4M | $252K | 0.68% | 3.59% | 0.29% | 2,192 |
| Q3 2025 | $38.5M | $34.1M | $17.4M | $4.4M | $176K | 0.61% | 3.35% | 0.30% | 2,189 |
| Q2 2025 | $39.1M | $34.7M | $16.7M | $4.3M | $117K | 0.60% | 3.18% | 0.25% | 2,175 |
| Q1 2025 | $39.2M | $34.9M | $16.3M | $4.2M | $35K | 0.36% | 3.10% | 0.12% | 2,162 |
| Q4 2024 | $37.8M | $33.5M | $16.1M | $4.2M | $277K | 0.73% | 3.23% | 0.09% | 2,155 |
| Q3 2024 | $36.2M | $32.0M | $15.9M | $4.1M | $212K | 0.78% | 3.32% | 0.19% | 2,150 |
| Q2 2024 | $35.4M | $31.2M | $16.0M | $4.1M | $143K | 0.81% | 3.28% | 0.11% |
| Ratio | Teachers Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,137 |
Loan mix (Q1 2026): real estate $9.7M · commercial $0 · consumer $7.5M · securities $17.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 81.5% | 29th |
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 | Teachers 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 | Teachers 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 | Teachers 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 | Teachers 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.