| Metric | Triangle Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.8% | -2.6 pts |
| Share growth (YoY) | +2.3% | +4.3% | -2.0 pts |
| Loan growth (YoY) | -1.3% | +4.3% | -5.7 pts |
| ROA | 0.60% | 0.62% | -0.0 pts |
| ROE | 6.9% | 5.9% | +1.0 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $872.0M | $717.6M | $562.9M | $75.4M | $1.3M | 0.60% | 3.12% | 0.36% | 53,195 |
| Q4 2025 | $858.7M | $703.7M | $578.4M | $74.1M | $6.8M | 0.79% | 3.07% | 0.52% | 55,154 |
| Q3 2025 | $857.4M | $701.3M | $587.5M | $71.8M | $4.4M | 0.69% | 2.99% | 0.50% | 55,379 |
| Q2 2025 | $847.5M | $693.2M | $586.9M | $69.7M | $2.3M | 0.55% | 2.97% | 0.48% | 56,908 |
| Q1 2025 | $853.2M | $701.7M | $570.5M | $68.1M | $697K | 0.33% | 2.78% | 0.21% | 56,530 |
| Q4 2024 | $843.5M | $687.2M | $574.0M | $66.6M | $1.0M | 0.12% | 2.24% | 0.36% | 56,453 |
| Q3 2024 | $839.0M | $681.2M | $579.4M | $66.2M | $607K | 0.10% | 2.16% | 0.42% | 57,730 |
| Q2 2024 | $862.7M | $675.1M | $586.5M | $65.8M | $251K | 0.06% | 2.04% |
| Ratio | Triangle Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.62% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 57,795 |
Loan mix (Q1 2026): real estate $302.7M · commercial $92.9M · consumer $150.2M · securities $181.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 78.3% | 70th |
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 | Triangle 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 | Triangle 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 | Triangle 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 | Triangle 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.