| Metric | Tnconnect Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +1.3% | +6.6 pts |
| Share growth (YoY) | +8.2% | +0.7% | +7.6 pts |
| Loan growth (YoY) | -6.0% | -2.4% | -3.6 pts |
| ROA | 0.13% | 0.60% | -0.5 pts |
| ROE | 1.8% | 4.1% | -2.3 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $89.3M | $82.4M | $61.4M | $6.5M | $29K | 0.13% | 3.72% | 0.72% | 6,258 |
| Q4 2025 | $86.0M | $80.7M | $63.8M | $6.4M | $482K | 0.56% | 3.98% | 0.95% | 6,316 |
| Q3 2025 | $84.6M | $78.0M | $65.3M | $6.4M | $388K | 0.61% | 4.03% | 0.56% | 6,386 |
| Q2 2025 | $83.3M | $76.8M | $66.2M | $6.2M | $246K | 0.59% | 4.05% | 1.67% | 6,412 |
| Q1 2025 | $82.7M | $76.1M | $65.3M | $6.1M | $86K | 0.42% | 3.99% | 0.86% | 6,468 |
| Q4 2024 | $80.0M | $73.0M | $58.3M | $6.0M | $537K | 0.67% | 3.94% | 0.93% | 6,409 |
| Q3 2024 | $77.5M | $71.2M | $60.0M | $5.9M | $390K | 0.67% | 4.00% | 1.15% | 6,572 |
| Q2 2024 | $77.5M | $71.3M | $60.4M | $5.7M | $224K | 0.58% | 3.89% | 1.02% |
| Ratio | Tnconnect Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,951 |
Loan mix (Q1 2026): real estate $12.8M · commercial $1.0M · consumer $40.4M · securities $7.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 81.5% | 51th |
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 | Tnconnect 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 | Tnconnect 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 | Tnconnect 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 | Tnconnect 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.