| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.9% | -2.8 pts |
| Share growth (YoY) | -0.1% | +3.3% | -3.4 pts |
| Loan growth (YoY) | -3.5% | +2.9% | -6.4 pts |
| ROA | 0.77% | 0.69% | +0.1 pts |
| ROE | 5.8% | 5.9% | -0.2 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $103.2M | $89.3M | $48.3M | $13.7M | $198K | 0.77% | 4.46% | 0.11% | 9,273 |
| Q4 2025 | $100.3M | $86.7M | $49.8M | $13.5M | $1.6M | 1.60% | 4.85% | 0.32% | 9,325 |
| Q3 2025 | $97.8M | $84.4M | $53.2M | $13.1M | $1.3M | 1.75% | 4.98% | 0.27% | 9,350 |
| Q2 2025 | $99.3M | $86.3M | $52.2M | $12.7M | $842K | 1.70% | 4.81% | 0.37% | 9,246 |
| Q1 2025 | $102.1M | $89.3M | $50.0M | $12.2M | $402K | 1.58% | 4.62% | 0.16% | 9,087 |
| Q4 2024 | $98.7M | $86.6M | $50.3M | $11.8M | $2.0M | 2.03% | 5.00% | 0.18% | 9,050 |
| Q3 2024 | $98.5M | $86.6M | $51.3M | $11.5M | $1.6M | 2.20% | 5.02% | 0.19% | 8,991 |
| Q2 2024 | $99.5M | $88.2M | $51.1M | $11.0M | $1.2M | 2.31% | 4.90% | 0.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.69% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,920 |
Loan mix (Q1 2026): real estate $354K · commercial $0 · consumer $45.2M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 78.7% | 36th |
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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Curry, NM, ranked 6th with 6.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Curry, NM | 2 | $86.3M* | 6.85% | 6th |
New Mexico: 68th with 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2