| Metric | Telhio Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +5.1% | -8.6 pts |
| Share growth (YoY) | -4.7% | +4.9% | -9.5 pts |
| Loan growth (YoY) | -2.4% | +5.4% | -7.8 pts |
| ROA | 0.04% | 0.71% | -0.7 pts |
| ROE | 0.4% | 6.3% | -5.9 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.34B | $1.14B | $1.07B | $130.0M | $130K | 0.04% | 3.30% | 1.77% | 67,801 |
| Q4 2025 | $1.35B | $1.15B | $1.08B | $129.9M | $2.0M | 0.15% | 3.29% | 1.53% | 68,199 |
| Q3 2025 | $1.36B | $1.16B | $1.07B | $130.1M | $1.8M | 0.18% | 3.23% | 1.68% | 68,029 |
| Q2 2025 | $1.37B | $1.18B | $1.08B | $128.9M | $536K | 0.08% | 3.12% | 1.27% | 68,730 |
| Q1 2025 | $1.39B | $1.20B | $1.09B | $128.6M | $282K | 0.08% | 2.95% | 0.96% | 68,364 |
| Q4 2024 | $1.43B | $1.18B | $1.09B | $128.4M | $-1.1M | -0.08% | 2.69% | 0.84% | 67,839 |
| Q3 2024 | $1.43B | $1.19B | $1.12B | $128.7M | $-1.3M | -0.12% | 2.62% | 0.42% | 67,741 |
| Q2 2024 | $1.40B | $1.16B | $1.12B | $129.2M | $-789K | -0.11% | 2.63% |
| Ratio | Telhio Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.71% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 6.3% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 67,042 |
Loan mix (Q1 2026): real estate $455.5M · commercial $373.6M · consumer $188.4M · securities $83.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.9% | 73.0% | 99th |
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 | Telhio 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 | Telhio 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 | Telhio 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 | Telhio 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.