| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.9% | +1.3% | -7.2 pts |
| Share growth (YoY) | -7.0% | +0.9% | -7.9 pts |
| Loan growth (YoY) | +0.9% | -2.6% | +3.6 pts |
| ROA | 0.12% | 0.65% | -0.5 pts |
| ROE | 1.1% | 4.4% | -3.3 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.4M | $54.9M | $37.4M | $7.0M | $37K | 0.12% | 4.43% | 0.42% | 7,403 |
| Q1 2026 | $63.5M | $55.4M | $37.2M | $7.0M | $80K | 0.50% | 4.40% | 0.36% | 7,343 |
| Q4 2025 | $63.9M | $55.3M | $36.4M | $6.9M | $716K | 1.12% | 4.43% | 0.34% | 7,249 |
| Q3 2025 | $66.6M | $58.2M | $36.8M | $6.9M | $691K | 1.38% | 4.25% | 0.33% | 7,196 |
| Q2 2025 | $67.3M | $59.0M | $37.1M | $6.7M | $467K | 1.39% | 4.12% | 0.20% | 7,169 |
| Q1 2025 | $67.6M | $59.4M | $36.2M | $6.5M | $259K | 1.53% | 4.10% | 0.09% | 7,135 |
| Q4 2024 | $66.4M | $59.8M | $35.0M | $6.3M | $141K | 0.21% | 3.93% | 0.28% | 7,066 |
| Q3 2024 | $65.3M | $58.9M | $34.6M | $6.1M | $-48K | -0.10% | 3.96% | 0.22% |
| Ratio | Tru Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 7,147 |
| Q2 2024 | $65.7M | $58.8M | $35.2M | $6.1M | $-13K | -0.04% | 3.85% | 0.47% | 7,114 |
Loan mix (Q2 2026): real estate $6.8M · commercial $0 · consumer $27.8M · securities $10.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.1% | 80.6% | 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 | Tru Federal 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 | Tru Federal 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 | Tru Federal 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 | Tru Federal 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 | Tru Federal 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.
4 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Greenwood, SC, ranked 8th with 2.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greenwood, SC | 3 | $41.2M* | 2.42% | 8th |
| Salt Lake, UT | 1 | $13.7M* | 0.00% | 101st |
South Carolina: 112th with 0.03% · Utah: 129th with 0.00% · Salt Lake City-Murray metro: 101st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 4