| Metric | Tremont Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +3.9% | -6.7 pts |
| Share growth (YoY) | +0.9% | +3.3% | -2.4 pts |
| Loan growth (YoY) | -2.5% | +2.9% | -5.4 pts |
| ROA | 0.16% | 0.69% | -0.5 pts |
| ROE | 1.5% | 5.9% | -4.5 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $258.7M | $219.2M | $172.7M | $27.2M | $101K | 0.16% | 3.08% | 0.83% | 12,744 |
| Q4 2025 | $261.5M | $221.1M | $172.9M | $27.1M | $747K | 0.29% | 3.17% | 1.67% | 12,800 |
| Q3 2025 | $260.8M | $221.9M | $175.2M | $27.0M | $698K | 0.36% | 3.17% | 1.90% | 13,025 |
| Q2 2025 | $263.8M | $217.1M | $174.3M | $27.1M | $466K | 0.35% | 3.10% | 2.07% | 13,127 |
| Q1 2025 | $266.2M | $217.1M | $177.2M | $26.8M | $151K | 0.23% | 3.11% | 1.42% | 13,209 |
| Q4 2024 | $260.5M | $211.7M | $181.8M | $26.7M | $-643K | -0.25% | 3.26% | 2.20% | 13,276 |
| Q3 2024 | $259.0M | $209.8M | $183.0M | $26.5M | $-836K | -0.43% | 3.32% | 1.77% | 13,662 |
| Q2 2024 | $256.6M | $207.1M | $187.8M | $26.7M | $-627K | -0.49% | 3.39% |
| Ratio | Tremont Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.69% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.35% |
| 13,787 |
Loan mix (Q1 2026): real estate $139.3M · commercial $7.2M · consumer $22.8M · securities $46.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.5% | 78.7% | 98th |
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 | Tremont 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 | Tremont 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 | Tremont 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 | Tremont 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.