| Metric | Colorado Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +3.9% | +0.9 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.7 pts |
| Loan growth (YoY) | +8.2% | +2.9% | +5.3 pts |
| ROA | 0.25% | 0.69% | -0.4 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $439.5M | $387.5M | $328.5M | $45.0M | $271K | 0.25% | 3.26% | 0.34% | 27,309 |
| Q4 2025 | $431.8M | $378.7M | $327.6M | $44.7M | $2.2M | 0.52% | 3.40% | 0.35% | 26,867 |
| Q3 2025 | $428.6M | $376.3M | $324.8M | $44.2M | $1.7M | 0.54% | 3.39% | 0.32% | 27,198 |
| Q2 2025 | $427.6M | $377.6M | $309.3M | $43.4M | $957K | 0.45% | 3.31% | 0.81% | 26,661 |
| Q1 2025 | $419.2M | $368.9M | $303.5M | $42.9M | $414K | 0.39% | 3.28% | 0.54% | 26,156 |
| Q4 2024 | $397.9M | $349.3M | $298.6M | $42.5M | $2.2M | 0.56% | 3.45% | 0.45% | 25,709 |
| Q3 2024 | $385.4M | $336.2M | $294.3M | $42.1M | $1.9M | 0.66% | 3.56% | 0.39% | 25,956 |
| Q2 2024 | $384.0M | $335.7M | $291.7M | $41.3M | $1.0M | 0.54% | 3.50% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Colorado Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.69% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 25,702 |
Loan mix (Q1 2026): real estate $193.1M · commercial $31.5M · consumer $102.9M · securities $41.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 78.7% | 88th |
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 | Colorado 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 | Colorado 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 | Colorado 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 | Colorado 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.