| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.8% | +3.9% | -11.7 pts |
| Share growth (YoY) | -7.3% | +3.3% | -10.6 pts |
| Loan growth (YoY) | -5.2% | +2.9% | -8.2 pts |
| ROA | -1.09% | 0.69% | -1.8 pts |
| ROE | -12.4% | 5.9% | -18.3 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $129.4M | $110.0M | $105.1M | $11.5M | $-354K | -1.09% | 3.79% | 0.40% | 9,168 |
| Q4 2025 | $132.8M | $110.1M | $110.3M | $11.8M | $-2.9M | -2.15% | 3.95% | 0.60% | 9,191 |
| Q3 2025 | $139.6M | $117.5M | $113.5M | $13.2M | $-1.5M | -1.40% | 3.65% | 1.82% | 9,270 |
| Q2 2025 | $144.1M | $121.8M | $114.2M | $14.0M | $-724K | -1.00% | 3.43% | 0.93% | 9,350 |
| Q1 2025 | $140.3M | $118.6M | $110.9M | $13.4M | $-743K | -2.12% | 3.37% | 0.86% | 8,847 |
| Q4 2024 | $135.6M | $112.5M | $110.1M | $14.9M | $12K | 0.01% | 3.53% | 2.27% | 8,986 |
| Q3 2024 | $133.8M | $113.5M | $111.8M | $14.8M | $-55K | -0.05% | 3.54% | 2.32% | 9,204 |
| Q2 2024 | $134.5M | $114.1M | $109.5M | $14.8M | $-83K | -0.12% | 3.44% |
| Ratio | Telco Plus Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.09% | 0.69% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -12.4% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.83% |
| 9,424 |
Loan mix (Q1 2026): real estate $42.4M · commercial $0 · consumer $56.7M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.8% | 78.7% | 90th |
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 Plus 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 Plus 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 Plus 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 Plus 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.