| Metric | Teachers Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -5.0% | +0.9% | -5.9 pts |
| Loan growth (YoY) | +6.7% | -2.6% | +9.3 pts |
| ROA | 0.85% | 0.65% | +0.2 pts |
| ROE | 7.0% | 4.4% | +2.6 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.6M | $32.9M | $17.8M | $4.6M | $160K | 0.85% | 4.14% | 0.16% | 2,221 |
| 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% |
| Ratio | Teachers Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.65% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,150 |
| Q2 2024 | $35.4M | $31.2M | $16.0M | $4.1M | $143K | 0.81% | 3.28% | 0.11% | 2,137 |
Loan mix (Q2 2026): real estate $10.0M · commercial $0 · consumer $7.5M · securities $18.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 80.6% | 38th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Rock, WI, ranked 22nd with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rock, WI | 1 | $32.9M* | 0.67% | 22nd |
Wisconsin: 264th with 0.01% · Janesville-Beloit metro: 22nd, 0.67% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1