| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.1% | -3.3 pts |
| Share growth (YoY) | +2.8% | +4.9% | -2.0 pts |
| Loan growth (YoY) | +3.3% | +5.4% | -2.1 pts |
| ROA | 0.59% | 0.71% | -0.1 pts |
| ROE | 5.6% | 6.3% | -0.7 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.07B | $1.69B | $1.52B | $219.6M | $3.1M | 0.59% | 2.91% | 0.92% | 138,569 |
| Q4 2025 | $2.07B | $1.68B | $1.51B | $216.5M | $12.6M | 0.61% | 2.62% | 1.11% | 136,598 |
| Q3 2025 | $2.04B | $1.67B | $1.51B | $212.2M | $6.7M | 0.44% | 2.58% | 1.05% | 135,470 |
| Q2 2025 | $2.03B | $1.64B | $1.50B | $209.6M | $3.8M | 0.37% | 2.49% | 1.02% | 134,875 |
| Q1 2025 | $2.03B | $1.65B | $1.47B | $206.7M | $806K | 0.16% | 2.36% | 0.92% | 138,289 |
| Q4 2024 | $1.99B | $1.59B | $1.45B | $205.9M | $6.5M | 0.33% | 2.12% | 0.90% | 135,418 |
| Q3 2024 | $2.02B | $1.60B | $1.46B | $203.7M | $2.7M | 0.18% | 2.04% | 0.60% | 136,176 |
| Q2 2024 | $2.03B | $1.58B | $1.48B | $205.8M | $1.9M | 0.19% | 2.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Texas Trust Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.71% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 6.3% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 135,106 |
Loan mix (Q1 2026): real estate $537.6M · commercial $68.2M · consumer $712.5M · securities $194.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 73.0% | 41th |
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 | Texas Trust 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 | Texas Trust 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 | Texas Trust 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 | Texas Trust 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.