| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.9% | +2.6 pts |
| Share growth (YoY) | +5.4% | +3.3% | +2.1 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.2 pts |
| ROA | 1.60% | 0.69% | +0.9 pts |
| ROE | 14.6% | 5.9% | +8.6 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $437.3M | $387.7M | $231.5M | $48.1M | $1.8M | 1.60% | 4.06% | 1.01% | 33,574 |
| Q4 2025 | $427.2M | $379.3M | $228.5M | $46.3M | $5.3M | 1.23% | 3.82% | 1.21% | 33,396 |
| Q3 2025 | $413.3M | $366.3M | $226.7M | $45.1M | $4.0M | 1.30% | 3.89% | 1.47% | 33,668 |
| Q2 2025 | $408.9M | $363.7M | $226.9M | $43.4M | $2.3M | 1.15% | 3.81% | 1.36% | 33,701 |
| Q1 2025 | $410.7M | $367.7M | $224.5M | $42.2M | $960K | 0.94% | 3.71% | 1.03% | 33,637 |
| Q4 2024 | $407.3M | $365.3M | $214.6M | $41.2M | $3.6M | 0.88% | 3.31% | 1.22% | 33,589 |
| Q3 2024 | $401.7M | $360.4M | $215.5M | $40.2M | $2.6M | 0.86% | 3.23% | 1.28% | 33,772 |
| Q2 2024 | $389.2M | $349.3M | $207.2M | $38.7M | $1.6M | 0.82% | 3.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 0.69% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.27% |
| 31,368 |
Loan mix (Q1 2026): real estate $78.4M · commercial $59.1M · consumer $68.3M · securities $136.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 78.7% | 5th |
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.
7 branches in 4 counties across 1 state (+2 vs 2024). Biggest market: Cochise, AZ, ranked 6th with 8.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cochise, AZ | 4 | $207.9M* | 8.10% | 6th |
| Graham, AZ | 1 | $52.0M* | 8.14% | 4th |
| Pima, AZ | 1 | $52.0M* | 0.21% | 26th |
| 1 more county with Pro → | ||||
Arizona: 46th with 0.14% · Sierra Vista-Douglas metro: 6th, 8.10% · Phoenix-Mesa-Chandler metro: 77th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 7