| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +3.9% | -4.6 pts |
| Share growth (YoY) | -0.7% | +3.3% | -4.0 pts |
| Loan growth (YoY) | -1.1% | +2.9% | -4.0 pts |
| ROA | 0.04% | 0.69% | -0.6 pts |
| ROE | 0.4% | 5.9% | -5.6 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $163.5M | $145.4M | $80.8M | $17.9M | $17K | 0.04% | 3.96% | 1.43% | 13,913 |
| Q4 2025 | $163.4M | $144.6M | $82.9M | $17.9M | $-240K | -0.15% | 3.66% | 1.14% | 14,044 |
| Q3 2025 | $162.1M | $143.7M | $80.1M | $17.9M | $-253K | -0.21% | 3.62% | 1.71% | 14,240 |
| Q2 2025 | $163.5M | $145.2M | $81.2M | $18.1M | $-106K | -0.13% | 3.54% | 1.81% | 14,395 |
| Q1 2025 | $164.6M | $146.4M | $81.6M | $18.1M | $-87K | -0.21% | 3.42% | 2.30% | 14,486 |
| Q4 2024 | $160.5M | $141.9M | $84.2M | $18.2M | $-267K | -0.17% | 3.83% | 1.02% | 14,589 |
| Q3 2024 | $159.9M | $141.2M | $87.5M | $18.6M | $123K | 0.10% | 3.94% | 1.57% | 14,824 |
| Q2 2024 | $165.1M | $144.9M | $89.3M | $18.8M | $342K | 0.41% | 3.89% |
| Ratio | Trupartner Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.69% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.17% |
| 14,969 |
Loan mix (Q1 2026): real estate $27.9M · commercial $18.3M · consumer $26.7M · securities $49.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 78.7% | 79th |
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 | Trupartner 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 | Trupartner 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 | Trupartner 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 | Trupartner 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.