| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +1.3% | +8.6 pts |
| Share growth (YoY) | +10.9% | +0.9% | +9.9 pts |
| Loan growth (YoY) | -3.0% | -2.6% | -0.3 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 5.4% | 4.4% | +1.0 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.9M | $4.9M | $1.4M | $979K | $26K | 0.88% | 1.96% | 0.00% | 476 |
| Q1 2026 | $5.8M | $4.8M | $1.3M | $967K | $13K | 0.93% | 2.03% | 1.64% | 477 |
| Q4 2025 | $5.6M | $4.7M | $1.3M | $953K | $37K | 0.65% | 1.86% | 1.80% | 477 |
| Q3 2025 | $5.5M | $4.6M | $1.4M | $942K | $25K | 0.61% | 1.87% | 0.00% | 478 |
| Q2 2025 | $5.4M | $4.5M | $1.4M | $931K | $15K | 0.55% | 1.89% | 0.95% | 476 |
| Q1 2025 | $5.1M | $4.2M | $1.2M | $923K | $7K | 0.53% | 1.88% | 0.00% | 479 |
| Q4 2024 | $5.0M | $4.0M | $1.2M | $916K | $32K | 0.63% | 1.96% | 0.00% | 481 |
| Q3 2024 | $5.2M | $4.3M | $1.2M | $907K | $22K | 0.56% | 1.82% | 0.00% | 483 |
| Ratio | Tri-County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.4M |
| $4.5M |
| $1.1M |
| $898K |
| $13K |
| 0.49% |
| 1.76% |
| 1.89% |
| 482 |
Loan mix (Q2 2026): real estate $0 · commercial $62K · consumer $664K · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.6% | 80.6% | 9th |
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-County 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-County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Tri-County 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-County 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-County 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Gove, KS, ranked 4th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gove, KS | 1 | $4.9M* | 2.18% | 4th |
Kansas: 294th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1