| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +4.8% | -6.4 pts |
| Share growth (YoY) | -2.2% | +4.3% | -6.5 pts |
| Loan growth (YoY) | -1.4% | +4.3% | -5.7 pts |
| ROA | 0.25% | 0.62% | -0.4 pts |
| ROE | 2.9% | 5.9% | -3.0 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $825.4M | $735.5M | $641.3M | $69.5M | $510K | 0.25% | 3.50% | 0.38% | 43,990 |
| Q4 2025 | $813.2M | $723.9M | $644.6M | $69.0M | $1.6M | 0.20% | 3.63% | 0.35% | 44,508 |
| Q3 2025 | $816.9M | $728.5M | $649.4M | $68.3M | $880K | 0.14% | 3.56% | 0.51% | 44,073 |
| Q2 2025 | $830.8M | $738.6M | $650.7M | $67.7M | $345K | 0.08% | 3.45% | 0.38% | 44,747 |
| Q1 2025 | $839.4M | $752.3M | $650.4M | $68.3M | $-768K | -0.37% | 3.32% | 0.34% | 43,527 |
| Q4 2024 | $818.2M | $733.8M | $660.2M | $69.1M | $-1.9M | -0.23% | 3.39% | 0.54% | 44,449 |
| Q3 2024 | $850.5M | $713.3M | $663.5M | $69.8M | $-2.3M | -0.37% | 3.24% | 0.60% | 45,274 |
| Q2 2024 | $888.2M | $722.4M | $682.8M | $70.0M | $-2.2M | -0.50% | 3.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.62% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 46,497 |
Loan mix (Q1 2026): real estate $345.4M · commercial $93.8M · consumer $195.6M · securities $70.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 78.3% | 69th |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.
8 branches in 2 counties across 1 state (-1 vs 2024). Biggest market: El Paso, CO, ranked 7th with 3.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| El Paso, CO | 5 | $461.6M* | 2.95% | 7th |
| Douglas, CO | 3 | $277.0M* | 2.90% | 7th |
Colorado: 41st with 0.37% · Colorado Springs metro: 7th, 2.86% · Denver-Aurora-Centennial metro: 43rd, 0.24% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 9 · 2024 9 · 2025 8