Tribe Federal Credit Union
Total assets
$2.4M
▲ +435.6% YoY
Shares & deposits
$1.8M
Loans
$224K
Members
98
▲ +9700.0% YoY
ROA (annualized)
-3.33%
peers 0.60%
ROE (annualized)
-13.12%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +435.6% | +1.3% | +434.3 pts |
| Share growth (YoY) | — | +0.7% | — |
| Loan growth (YoY) | — | -2.4% | — |
| ROA | -3.33% | 0.60% | -3.9 pts |
| ROE | -13.1% | 4.1% | -17.2 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
Profile
- Established
- 2024
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 4630 Summit Pass, Eagan, MN, 55122
- NCUA charter #
- 24960
- RSSD ID
- 5948068
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.4M | $1.8M | $224K | $611K | $-20K | -3.33% | 1.93% | 0.00% | 98 |
| Q4 2025 | $948K | $321K | $0 | $626K | $215K | 22.73% | 1.33% | — | 26 |
| Q3 2025 | $599K | $0 | $0 | $598K | $187K | 41.70% | 1.54% | — | 1 |
| Q2 2025 | $471K | $0 | $0 | $470K | $189K | 80.41% | 1.16% | — | 1 |
| Q1 2025 | $450K | $0 | $0 | $449K | $168K | 149.63% | 1.45% | — | 1 |
| Q4 2024 | $289K | $0 | $0 | $288K | $-2K | -0.76% | 0.00% | — | 1 |
| Q3 2024 | $124K | $0 | $0 | $123K | $-2K | -2.37% | 0.00% | — | 1 |
| Q2 2024 | $76K | $0 | $0 | $75K | $-155 | -0.41% | 0.00% | — | 6 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $222K · securities $1.7M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.33% | 0.60% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -13.1% | 4.1% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.93% | 3.83% | 3th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 153.0% | 81.5% | 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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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