| Metric | Telco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +1.3% | -1.5 pts |
| Share growth (YoY) | +3.2% | +0.9% | +2.2 pts |
| Loan growth (YoY) | -2.8% | -2.6% | -0.2 pts |
| ROA | -0.77% | 0.65% | -1.4 pts |
| ROE | -6.2% | 4.4% | -10.6 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.3M | $44.7M | $40.7M | $6.4M | $-199K | -0.77% | 5.10% | 6.00% | 6,648 |
| Q1 2026 | $53.5M | $46.7M | $40.5M | $6.7M | $35K | 0.26% | 5.00% | 2.88% | 6,645 |
| Q4 2025 | $53.6M | $46.8M | $41.1M | $6.6M | $-69K | -0.13% | 4.91% | 2.70% | 6,538 |
| Q3 2025 | $51.5M | $44.7M | $42.2M | $6.8M | $-228K | -0.59% | 5.11% | 3.63% | 6,524 |
| Q2 2025 | $51.4M | $43.3M | $41.8M | $6.9M | $-147K | -0.57% | 4.96% | 3.28% | 6,507 |
| Q1 2025 | $52.1M | $45.0M | $40.5M | $7.0M | $-52K | -0.40% | 4.78% | 2.10% | 6,529 |
| Q4 2024 | $51.8M | $44.6M | $39.9M | $7.0M | $22K | 0.04% | 4.72% | 1.96% | 6,471 |
| Q3 2024 | $51.6M | $44.5M | $38.4M | $7.1M | $6K | 0.02% | 4.67% | 1.83% |
| Ratio | Telco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.77% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -6.2% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,452 |
| Q2 2024 | $52.5M | $45.3M | $37.8M | $7.1M | $-32K | -0.12% | 4.51% | 1.42% | 6,412 |
Loan mix (Q2 2026): real estate $15.9M · commercial $0 · consumer $21.9M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 80.6% | 67th |
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 | Telco 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 | Telco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Telco 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 | Telco 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 | Telco 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.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Edgecombe, NC, ranked 7th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Edgecombe, NC | 2 | $29.8M* | 3.87% | 7th |
| Pitt, NC | 1 | $14.9M* | 0.31% | 16th |
North Carolina: 125th with 0.01% · Rocky Mount metro: 14th, 0.57% · Greenville metro: 16th, 0.31% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3