| Metric | Teachers Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.8% | +1.3% | -7.1 pts |
| Share growth (YoY) | -4.9% | +0.7% | -5.5 pts |
| Loan growth (YoY) | -12.6% | -2.4% | -10.3 pts |
| ROA | -3.07% | 0.60% | -3.7 pts |
| ROE | -9.9% | 4.1% | -14.0 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.4M | $4.4M | $2.7M | $2.0M | $-49K | -3.07% | 6.38% | 0.60% | 1,287 |
| Q4 2025 | $6.5M | $4.4M | $3.0M | $2.0M | $-110K | -1.69% | 6.95% | 4.62% | 1,328 |
| Q3 2025 | $6.7M | $4.5M | $3.2M | $2.1M | $-9K | -0.18% | 7.01% | 1.16% | 1,377 |
| Q2 2025 | $6.8M | $4.6M | $3.3M | $2.1M | $-6K | -0.17% | 7.15% | 7.23% | 1,410 |
| Q1 2025 | $6.8M | $4.6M | $3.1M | $2.2M | $-2K | -0.09% | 7.10% | 6.31% | 1,510 |
| Q4 2024 | $6.5M | $4.3M | $3.2M | $2.2M | $-84K | -1.29% | 6.88% | 4.68% | 2,161 |
| Q3 2024 | $6.7M | $4.6M | $3.0M | $2.2M | $-70K | -1.39% | 6.72% | 4.22% | 2,209 |
| Q2 2024 | $6.8M | $4.6M | $3.0M | $2.2M | $8K | 0.23% | 6.70% | 7.68% | 2,243 |
| Ratio | Teachers Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.07% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -9.9% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.3% | 81.5% | 82th |
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% |
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