| Metric | Truwest Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +5.1% | -2.8 pts |
| Share growth (YoY) | +2.1% | +4.9% | -2.8 pts |
| Loan growth (YoY) | +4.5% | +5.4% | -1.0 pts |
| ROA | 0.54% | 0.71% | -0.2 pts |
| ROE | 5.0% | 6.3% | -1.3 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.72B | $1.52B | $1.33B | $185.3M | $2.3M | 0.54% | 3.85% | 0.52% | 90,529 |
| Q4 2025 | $1.69B | $1.49B | $1.31B | $183.0M | $11.2M | 0.66% | 3.73% | 0.73% | 90,186 |
| Q3 2025 | $1.65B | $1.46B | $1.29B | $182.6M | $8.9M | 0.72% | 3.78% | 0.58% | 89,948 |
| Q2 2025 | $1.67B | $1.47B | $1.27B | $179.2M | $5.5M | 0.66% | 3.69% | 0.43% | 90,615 |
| Q1 2025 | $1.68B | $1.49B | $1.27B | $176.3M | $2.6M | 0.61% | 3.61% | 0.38% | 90,194 |
| Q4 2024 | $1.61B | $1.42B | $1.28B | $173.7M | $9.6M | 0.60% | 3.71% | 0.55% | 89,803 |
| Q3 2024 | $1.74B | $1.38B | $1.29B | $174.1M | $8.1M | 0.62% | 3.43% | 0.52% | 90,134 |
| Q2 2024 | $1.77B | $1.42B | $1.31B | $172.3M | $6.3M | 0.71% | 3.35% |
| Ratio | Truwest Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.71% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 6.3% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.51% |
| 90,399 |
Loan mix (Q1 2026): real estate $747.9M · commercial $73.4M · consumer $508.0M · securities $169.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 73.0% | 60th |
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 | Truwest 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 | Truwest 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 | Truwest 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 | Truwest 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.