| Metric | Arapahoe Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.1% | -5.5 pts |
| Share growth (YoY) | -1.7% | +3.5% | -5.2 pts |
| Loan growth (YoY) | -6.1% | +2.9% | -9.0 pts |
| ROA | 0.33% | 0.74% | -0.4 pts |
| ROE | 4.7% | 6.5% | -1.8 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $154.0M | $143.1M | $93.2M | $10.8M | $252K | 0.33% | 3.86% | 1.22% | 9,225 |
| Q1 2026 | $157.3M | $146.2M | $93.6M | $10.6M | $86K | 0.22% | 3.72% | 1.37% | 9,544 |
| Q4 2025 | $156.5M | $145.4M | $94.4M | $10.6M | $95K | 0.06% | 3.94% | 2.27% | 9,858 |
| Q3 2025 | $155.9M | $145.2M | $98.6M | $10.4M | $-294K | -0.25% | 3.89% | 1.74% | 9,952 |
| Q2 2025 | $156.2M | $145.5M | $99.2M | $10.4M | $-221K | -0.28% | 3.83% | 1.71% | 10,282 |
| Q1 2025 | $155.2M | $144.8M | $101.3M | $10.4M | $-219K | -0.56% | 3.50% | 1.62% | 10,543 |
| Q4 2024 | $154.4M | $143.2M | $106.3M | $10.6M | $128K | 0.08% | 4.13% | 2.00% | 11,080 |
| Q3 2024 | $153.0M | $142.1M | $112.6M | $10.6M | $-134K | -0.12% | 4.26% |
| Ratio | Arapahoe Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.74% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 6.5% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 2.11% |
| 11,421 |
| Q2 2024 | $157.9M | $147.0M | $119.9M | $10.7M | $-28K | -0.04% | 4.17% | 3.18% | 11,987 |
Loan mix (Q2 2026): real estate $48.2M · commercial $865K · consumer $41.1M · securities $32.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.4% | 77.5% | 71st |
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 | Arapahoe 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 | Arapahoe Credit Union | 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 | Arapahoe 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 | Arapahoe 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 | Arapahoe 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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Arapahoe, CO, ranked 30th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Arapahoe, CO | 3 | $143.1M* | 0.56% | 30th |
Colorado: 115th with 0.06% · Denver-Aurora-Centennial metro: 66th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3