| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.7% | -2.4 pts |
| Share growth (YoY) | +0.7% | +4.2% | -3.5 pts |
| Loan growth (YoY) | +5.3% | +4.3% | +1.0 pts |
| ROA | 1.46% | 0.75% | +0.7 pts |
| ROE | 9.9% | 6.9% | +3.0 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $871.5M | $749.9M | $363.2M | $129.0M | $6.4M | 1.46% | 2.74% | 0.21% | 19,941 |
| Q1 2026 | $865.0M | $746.6M | $358.0M | $125.6M | $3.0M | 1.37% | 2.76% | 0.21% | 19,909 |
| Q4 2025 | $865.0M | $749.1M | $352.4M | $122.7M | $10.6M | 1.22% | 2.43% | 0.08% | 19,880 |
| Q3 2025 | $855.8M | $743.2M | $347.7M | $120.3M | $8.2M | 1.28% | 2.51% | 0.06% | 19,990 |
| Q2 2025 | $852.5M | $744.9M | $344.8M | $117.0M | $4.9M | 1.16% | 2.39% | 0.11% | 20,051 |
| Q1 2025 | $847.2M | $744.8M | $331.9M | $114.9M | $2.8M | 1.33% | 2.52% | 0.08% | 20,133 |
| Q4 2024 | $829.2M | $729.3M | $318.5M | $112.1M | $9.9M | 1.19% | 2.33% | 0.12% | 20,103 |
| Q3 2024 | $819.2M | $717.8M | $309.4M | $110.5M | $8.3M | 1.35% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Boulder Dam Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.75% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 6.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.54% |
Peer lists, growth filters, CSV export, CRM push.
| 2.46% |
| 0.07% |
| 20,235 |
| Q2 2024 | $804.3M | $710.9M | $300.6M | $107.4M | $5.2M | 1.30% | 2.47% | 0.04% | 20,281 |
Loan mix (Q2 2026): real estate $311.4M · commercial $11.8M · consumer $33.4M · securities $392.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.9% | 77.1% | 3rd |
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 | Boulder Dam 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 | Boulder Dam 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 | Boulder Dam 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 | Boulder Dam 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 | Boulder Dam 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Clark, NV, ranked 20th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, NV | 1 | $749.9M* | 0.71% | 20th |
Nevada: 24th with 0.56% · Las Vegas-Henderson-North Las Vegas metro: 20th, 0.71% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1