| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +5.1% | -5.2 pts |
| Share growth (YoY) | -0.6% | +4.9% | -5.5 pts |
| Loan growth (YoY) | +4.1% | +5.4% | -1.3 pts |
| ROA | 0.11% | 0.71% | -0.6 pts |
| ROE | 1.0% | 6.3% | -5.3 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.66B | $3.76B | $3.43B | $512.7M | $1.3M | 0.11% | 2.48% | 0.54% | 174,822 |
| Q4 2025 | $4.65B | $3.73B | $3.42B | $511.4M | $1.3M | 0.03% | 2.30% | 0.63% | 173,969 |
| Q3 2025 | $4.53B | $3.62B | $3.39B | $512.4M | $601K | 0.02% | 2.31% | 0.54% | 181,137 |
| Q2 2025 | $4.57B | $3.67B | $3.40B | $510.4M | $-1.5M | -0.07% | 2.23% | 0.62% | 201,856 |
| Q1 2025 | $4.66B | $3.79B | $3.29B | $511.1M | $-747K | -0.06% | 2.10% | 0.59% | 201,687 |
| Q4 2024 | $4.77B | $3.90B | $3.31B | $511.8M | $875K | 0.02% | 2.13% | 0.76% | 201,138 |
| Q3 2024 | $4.75B | $3.87B | $3.35B | $515.5M | $2.7M | 0.08% | 2.18% | 0.62% | 200,987 |
| Q2 2024 | $4.59B | $3.77B | $3.39B | $515.7M | $2.9M | 0.13% | 2.28% |
| Ratio | Technology Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.71% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 6.3% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 200,099 |
Loan mix (Q1 2026): real estate $1.40B · commercial $237.0M · consumer $471.4M · securities $855.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 73.0% | 72th |
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 | Technology 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 | Technology 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 | Technology 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 | Technology 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.