| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.9 pts |
| Loan growth (YoY) | +4.1% | -2.4% | +6.5 pts |
| ROA | 0.08% | 0.60% | -0.5 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.0M | $3.9M | $3.6M | $1.2M | $979 | 0.08% | 6.08% | 1.55% | 715 |
| Q4 2025 | $5.0M | $3.8M | $3.6M | $1.2M | $-39K | -0.78% | 6.51% | 0.69% | 716 |
| Q3 2025 | $5.1M | $3.9M | $3.6M | $1.2M | $-31K | -0.81% | 6.16% | 2.00% | 710 |
| Q2 2025 | $5.1M | $3.9M | $3.5M | $1.2M | $-13K | -0.52% | 6.12% | 1.53% | 712 |
| Q1 2025 | $4.9M | $3.8M | $3.4M | $1.2M | $-16K | -1.26% | 6.40% | 1.65% | 714 |
| Q4 2024 | $4.9M | $3.7M | $3.4M | $1.2M | $7K | 0.14% | 6.45% | 1.24% | 710 |
| Q3 2024 | $5.2M | $3.9M | $3.3M | $1.2M | $10K | 0.25% | 6.13% | 2.95% | 705 |
| Q2 2024 | $5.1M | $3.8M | $3.2M | $1.2M | $28K | 1.10% | 6.20% | 3.65% | 702 |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Tvh Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.6M · securities $957K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 81.5% | 72th |
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 | Tvh 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 | Tvh 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 | Tvh 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 | Tvh 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% |
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