| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.1% | +1.3% | -9.3 pts |
| Share growth (YoY) | -8.2% | +0.9% | -9.1 pts |
| Loan growth (YoY) | -34.3% | -2.6% | -31.6 pts |
| ROA | -0.82% | 0.65% | -1.5 pts |
| ROE | -5.8% | 4.4% | -10.2 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $486K | $418K | $291K | $68K | $-2K | -0.82% | 4.17% | 3.84% | 211 |
| Q1 2026 | $474K | $406K | $338K | $69K | $-2K | -1.29% | 4.71% | 21.88% | 234 |
| Q4 2025 | $518K | $449K | $368K | $70K | $-665 | -0.13% | 5.06% | 12.62% | 235 |
| Q3 2025 | $531K | $460K | $431K | $71K | $-186 | -0.05% | 5.14% | 5.41% | 230 |
| Q2 2025 | $528K | $455K | $442K | $71K | $647 | 0.24% | 5.32% | 1.26% | 229 |
| Q1 2025 | $544K | $471K | $425K | $72K | $1K | 0.95% | 5.79% | 1.26% | 236 |
| Q4 2024 | $620K | $547K | $458K | $71K | $-7K | -1.16% | 4.11% | 0.90% | 232 |
| Q3 2024 | $591K | $513K | $454K | $77K | $-1K | -0.31% | 4.37% | 0.91% | 239 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.82% | 0.65% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -5.8% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $598K | $520K | $462K | $77K | $-1K | -0.41% | 4.21% | 0.37% | 241 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $291K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.6% | 80.6% | 94th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Washington, CO, ranked 6th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, CO | 1 | $418K* | 0.31% | 6th |
Colorado: 196th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1