Teg Federal Credit Union
Total assets
$498.0M
▲ +6.1% YoY
Shares & deposits
$438.9M
▲ +7.3% YoY
Loans
$377.3M
▲ +7.5% YoY
Members
35,724
▲ +1.7% YoY
ROA (annualized)
0.96%
peers 0.69%
ROE (annualized)
10.83%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +3.9% | +2.2 pts |
| Share growth (YoY) | +7.3% | +3.3% | +4.0 pts |
| Loan growth (YoY) | +7.5% | +2.9% | +4.6 pts |
| ROA | 0.96% | 0.69% | +0.3 pts |
| ROE | 10.8% | 5.9% | +4.9 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
Profile
- Established
- 1969
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 1 Commerce Street, Poughkeepsie, NY, 12603
- NCUA charter #
- 19401
- RSSD ID
- 193180
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $498.0M | $438.9M | $377.3M | $44.2M | $1.2M | 0.96% | 4.14% | 0.44% | 35,724 |
| Q4 2025 | $489.6M | $431.9M | $374.5M | $43.0M | $3.5M | 0.72% | 4.00% | 0.47% | 35,655 |
| Q3 2025 | $480.1M | $419.1M | $370.1M | $42.1M | $2.6M | 0.73% | 4.00% | 0.31% | 35,572 |
| Q2 2025 | $489.4M | $426.6M | $358.9M | $41.3M | $1.8M | 0.74% | 3.85% | 0.22% | 35,169 |
| Q1 2025 | $469.5M | $409.2M | $351.0M | $40.4M | $958K | 0.82% | 3.93% | 0.19% | 35,112 |
| Q4 2024 | $449.9M | $391.3M | $353.8M | $39.4M | $2.4M | 0.53% | 3.85% | 0.26% | 35,281 |
| Q3 2024 | $454.0M | $393.1M | $354.5M | $39.1M | $2.1M | 0.61% | 3.77% | 0.44% | 36,367 |
| Q2 2024 | $452.5M | $388.6M | $348.3M | $38.4M | $1.3M | 0.58% | 3.67% | 0.24% | 37,935 |
Loan mix (Q1 2026): real estate $171.4M · commercial $54.1M · consumer $124.1M · securities $46.1M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Teg Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.69% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.62% | 80th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 78.7% | 45th | |
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% |
Balance sheet
| Ratio | Teg Federal 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% |
Capital
| Ratio | Teg Federal 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% |
Credit quality
| Ratio | Teg Federal 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% |
Franchise
| Ratio | Teg Federal 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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