| Metric | Towpath Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.9% | -0.9 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +7.4% | +2.9% | +4.5 pts |
| ROA | 0.79% | 0.69% | +0.1 pts |
| ROE | 6.9% | 5.9% | +1.0 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $211.8M | $187.1M | $151.3M | $24.1M | $417K | 0.79% | 4.99% | 0.79% | 25,031 |
| Q4 2025 | $210.7M | $186.2M | $151.2M | $23.7M | $1.7M | 0.80% | 4.85% | 0.87% | 25,500 |
| Q3 2025 | $205.6M | $181.7M | $146.9M | $23.4M | $1.2M | 0.80% | 4.89% | 0.72% | 26,369 |
| Q2 2025 | $206.2M | $182.8M | $145.0M | $22.9M | $692K | 0.67% | 4.74% | 0.79% | 26,047 |
| Q1 2025 | $205.6M | $182.4M | $140.8M | $22.5M | $287K | 0.56% | 4.63% | 0.85% | 25,750 |
| Q4 2024 | $198.4M | $176.0M | $137.3M | $22.2M | $1.0M | 0.51% | 4.46% | 0.94% | 25,614 |
| Q3 2024 | $194.2M | $171.9M | $135.2M | $22.1M | $720K | 0.49% | 4.46% | 0.79% | 25,391 |
| Q2 2024 | $194.2M | $171.7M | $133.2M | $21.7M | $400K | 0.41% | 4.36% |
| Ratio | Towpath Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.69% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.73% |
| 25,143 |
Loan mix (Q1 2026): real estate $38.5M · commercial $10.9M · consumer $96.4M · securities $31.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 78.7% | 46th |
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 | Towpath 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 | Towpath 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 | Towpath 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 | Towpath 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.