| Metric | Tru Fi Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.9% | +3.6 pts |
| Share growth (YoY) | +5.7% | +3.3% | +2.4 pts |
| Loan growth (YoY) | +3.5% | +2.9% | +0.6 pts |
| ROA | 1.70% | 0.69% | +1.0 pts |
| ROE | 13.6% | 5.9% | +7.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $142.8M | $123.8M | $86.1M | $17.8M | $606K | 1.70% | 4.03% | 0.11% | 8,031 |
| Q4 2025 | $135.9M | $119.4M | $86.5M | $17.3M | $2.5M | 1.86% | 4.03% | 0.10% | 7,963 |
| Q3 2025 | $135.5M | $117.5M | $85.3M | $16.7M | $1.9M | 1.85% | 4.00% | 0.07% | 7,882 |
| Q2 2025 | $134.1M | $117.3M | $81.9M | $15.9M | $1.1M | 1.65% | 3.91% | 0.07% | 7,882 |
| Q1 2025 | $132.8M | $117.2M | $83.1M | $15.3M | $481K | 1.45% | 3.77% | 0.08% | 7,807 |
| Q4 2024 | $128.5M | $114.1M | $79.5M | $14.9M | $1.4M | 1.09% | 3.95% | 0.19% | 7,745 |
| Q3 2024 | $126.2M | $112.6M | $77.0M | $14.5M | $1.1M | 1.16% | 3.92% | 0.24% | 7,666 |
| Q2 2024 | $125.3M | $112.0M | $75.2M | $13.9M | $603K | 0.96% | 3.91% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Tru Fi Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.69% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 7,616 |
Loan mix (Q1 2026): real estate $32.4M · commercial $8.1M · consumer $32.8M · securities $35.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.7% | 78.7% | 22th |
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 Fi 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 Fi 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 Fi 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 Fi 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.