| Metric | Cochise Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +5.3% | +0.7% | +4.7 pts |
| Loan growth (YoY) | +2.4% | -2.4% | +4.7 pts |
| ROA | 1.67% | 0.60% | +1.1 pts |
| ROE | 10.0% | 4.1% | +5.9 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $76.8M | $63.9M | $46.8M | $12.8M | $320K | 1.67% | 3.96% | 1.04% | 5,840 |
| Q4 2025 | $73.3M | $60.6M | $46.8M | $12.5M | $1.7M | 2.26% | 4.06% | 1.08% | 5,789 |
| Q3 2025 | $73.1M | $60.9M | $46.9M | $12.1M | $1.3M | 2.33% | 4.04% | 0.78% | 5,773 |
| Q2 2025 | $72.8M | $60.9M | $47.0M | $11.7M | $934K | 2.57% | 3.98% | 0.82% | 5,740 |
| Q1 2025 | $72.0M | $60.6M | $45.7M | $11.1M | $309K | 1.72% | 3.91% | 0.84% | 5,710 |
| Q4 2024 | $67.1M | $56.2M | $46.0M | $10.8M | $1.2M | 1.83% | 3.79% | 0.63% | 5,650 |
| Q3 2024 | $66.0M | $55.5M | $45.8M | $10.5M | $894K | 1.81% | 3.77% | 0.83% | 5,614 |
| Q2 2024 | $62.4M | $52.1M | $45.1M | $10.1M | $546K | 1.75% | 3.87% | 1.08% |
| Ratio | Cochise Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,505 |
Loan mix (Q1 2026): real estate $5.6M · commercial $0 · consumer $35.2M · securities $19.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 81.5% | 13th |
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 | Cochise 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 | Cochise 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 | Cochise 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 | Cochise 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.