| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -1.2% | +0.7% | -1.9 pts |
| Loan growth (YoY) | -2.3% | -2.4% | +0.1 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 7.3% | 4.1% | +3.2 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.3M | $44.0M | $29.7M | $7.0M | $128K | 1.00% | 3.48% | 0.05% | 3,597 |
| Q4 2025 | $50.6M | $43.3M | $30.2M | $6.9M | $567K | 1.12% | 3.46% | 0.21% | 3,580 |
| Q3 2025 | $51.3M | $44.2M | $30.0M | $6.8M | $365K | 0.95% | 3.35% | 0.19% | 3,590 |
| Q2 2025 | $51.8M | $45.1M | $30.2M | $6.6M | $227K | 0.88% | 3.22% | 0.08% | 3,614 |
| Q1 2025 | $51.4M | $44.5M | $30.4M | $6.5M | $91K | 0.71% | 3.16% | 0.09% | 3,652 |
| Q4 2024 | $50.7M | $44.0M | $31.1M | $6.4M | $412K | 0.81% | 3.11% | 0.31% | 3,678 |
| Q3 2024 | $49.5M | $43.0M | $31.1M | $6.4M | $290K | 0.78% | 3.16% | 0.37% | 3,712 |
| Q2 2024 | $48.6M | $42.1M | $31.1M | $6.3M | $215K | 0.88% | 3.19% | 0.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Tri-Cities Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,751 |
Loan mix (Q1 2026): real estate $17.5M · commercial $70K · consumer $10.7M · securities $13.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 81.5% | 35th |
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 | Tri-Cities 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 | Tri-Cities 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 | Tri-Cities 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 | Tri-Cities 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.