| Metric | Together Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.1% | -0.9 pts |
| Share growth (YoY) | +4.9% | +4.9% | +0.0 pts |
| Loan growth (YoY) | +7.8% | +5.4% | +2.4 pts |
| ROA | 0.28% | 0.71% | -0.4 pts |
| ROE | 3.0% | 6.3% | -3.3 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.72B | $2.34B | $2.16B | $254.7M | $1.9M | 0.28% | 3.42% | 0.67% | 147,485 |
| Q4 2025 | $2.66B | $2.28B | $2.16B | $254.8M | $14.4M | 0.54% | 3.30% | 0.79% | 145,653 |
| Q3 2025 | $2.64B | $2.25B | $2.12B | $251.5M | $9.6M | 0.49% | 3.26% | 0.67% | 145,136 |
| Q2 2025 | $2.66B | $2.28B | $2.06B | $246.6M | $4.7M | 0.35% | 3.12% | 0.66% | 144,546 |
| Q1 2025 | $2.61B | $2.23B | $2.00B | $242.9M | $1.0M | 0.16% | 3.08% | 0.59% | 143,220 |
| Q4 2024 | $2.53B | $2.14B | $1.96B | $241.9M | $6.5M | 0.26% | 3.01% | 0.72% | 142,281 |
| Q3 2024 | $2.65B | $2.10B | $1.92B | $244.5M | $7.5M | 0.38% | 2.83% | 0.62% | 141,970 |
| Q2 2024 | $2.65B | $2.10B | $1.91B | $241.5M | $4.5M | 0.34% | 2.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Together Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.71% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 6.3% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 141,131 |
Loan mix (Q1 2026): real estate $914.7M · commercial $181.1M · consumer $1.02B · securities $262.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 73.0% | 75th |
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 | Together 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 | Together 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 | Together 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 | Together 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.