| Metric | Tee-Pak Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -5.0% | +0.7% | -5.6 pts |
| Loan growth (YoY) | -9.7% | -2.4% | -7.4 pts |
| ROA | 1.37% | 0.60% | +0.8 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.5M | $20.4M | $11.8M | $3.9M | $84K | 1.37% | 4.96% | 0.85% | 2,291 |
| Q4 2025 | $23.5M | $19.4M | $11.9M | $3.8M | $115K | 0.49% | 4.79% | 0.65% | 2,301 |
| Q3 2025 | $23.5M | $19.4M | $12.0M | $3.9M | $139K | 0.79% | 4.66% | 0.60% | 2,328 |
| Q2 2025 | $24.9M | $20.5M | $12.6M | $3.9M | $33K | 0.27% | 4.18% | 0.80% | 2,348 |
| Q1 2025 | $25.4M | $21.4M | $13.0M | $3.8M | $-134K | -2.11% | 4.21% | 0.83% | 2,381 |
| Q4 2024 | $25.6M | $21.6M | $13.4M | $3.7M | $-211K | -0.82% | 3.38% | 1.14% | 2,393 |
| Q3 2024 | $25.7M | $21.7M | $13.7M | $3.7M | $-218K | -1.13% | 3.56% | 0.74% | 2,437 |
| Q2 2024 | $24.5M | $20.4M | $13.3M | $3.8M | $-155K | -1.26% | 3.81% | 0.93% |
| Ratio | Tee-Pak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,458 |
Loan mix (Q1 2026): real estate $762K · commercial $0 · consumer $11.0M · securities $8.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 81.5% | 35th |
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 | Tee-Pak 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 | Tee-Pak 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 | Tee-Pak 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 | Tee-Pak 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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