| Metric | Team One Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.8% | -5.0 pts |
| Share growth (YoY) | -1.3% | +4.3% | -5.6 pts |
| Loan growth (YoY) | +1.9% | +4.3% | -2.5 pts |
| ROA | 0.88% | 0.62% | +0.3 pts |
| ROE | 9.1% | 5.9% | +3.2 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $767.4M | $683.7M | $509.0M | $74.3M | $1.7M | 0.88% | 3.74% | 0.68% | 46,852 |
| Q4 2025 | $765.3M | $682.6M | $522.3M | $72.6M | $3.9M | 0.52% | 3.54% | 0.64% | 47,319 |
| Q3 2025 | $751.8M | $671.3M | $520.0M | $71.3M | $2.6M | 0.46% | 3.52% | 0.72% | 47,504 |
| Q2 2025 | $763.9M | $684.6M | $504.9M | $70.1M | $1.3M | 0.35% | 3.36% | 0.65% | 47,519 |
| Q1 2025 | $769.4M | $692.9M | $499.7M | $68.8M | $127K | 0.07% | 3.22% | 0.67% | 47,891 |
| Q4 2024 | $750.7M | $675.3M | $502.9M | $68.7M | $2.8M | 0.38% | 3.05% | 0.69% | 48,340 |
| Q3 2024 | $737.8M | $663.2M | $497.7M | $66.8M | $917K | 0.17% | 3.03% | 0.67% | 51,480 |
| Q2 2024 | $751.8M | $680.0M | $497.8M | $66.7M | $771K | 0.20% | 2.88% |
| Ratio | Team One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.62% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 5.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.67% |
| 51,177 |
Loan mix (Q1 2026): real estate $162.7M · commercial $157.8M · consumer $173.4M · securities $85.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 78.3% | 40th |
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 | Team One 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 | Team One 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 | Team One 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 | Team One 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.