| Metric | Tech Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.8% | +2.1 pts |
| Share growth (YoY) | +6.3% | +4.3% | +2.0 pts |
| Loan growth (YoY) | +7.8% | +4.3% | +3.5 pts |
| ROA | 0.33% | 0.62% | -0.3 pts |
| ROE | 3.6% | 5.9% | -2.3 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $599.1M | $541.8M | $491.6M | $53.9M | $487K | 0.33% | 3.53% | 1.27% | 38,366 |
| Q4 2025 | $583.1M | $527.3M | $481.6M | $53.4M | $1.9M | 0.33% | 3.37% | 1.53% | 38,027 |
| Q3 2025 | $566.0M | $514.7M | $473.5M | $49.0M | $1.3M | 0.31% | 3.39% | 1.87% | 38,059 |
| Q2 2025 | $559.6M | $507.9M | $463.0M | $48.2M | $516K | 0.18% | 3.32% | 2.00% | 37,956 |
| Q1 2025 | $560.5M | $509.8M | $455.8M | $47.8M | $132K | 0.09% | 3.20% | 1.04% | 37,946 |
| Q4 2024 | $540.2M | $490.3M | $453.5M | $47.7M | $-895K | -0.17% | 2.99% | 1.35% | 37,784 |
| Q3 2024 | $531.2M | $481.1M | $454.9M | $47.8M | $-958K | -0.24% | 3.03% | 1.10% | 38,261 |
| Q2 2024 | $531.2M | $473.7M | $450.7M | $47.8M | $-968K | -0.36% | 2.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Tech Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.62% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.16% |
| 38,197 |
Loan mix (Q1 2026): real estate $230.9M · commercial $108.8M · consumer $142.1M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 78.3% | 83th |
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 | Tech 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 | Tech 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 | Tech 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 | Tech 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.