| Metric | Corazo Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.1% | +7.1 pts |
| Share growth (YoY) | +12.8% | +3.5% | +9.3 pts |
| Loan growth (YoY) | +6.0% | +2.9% | +3.1 pts |
| ROA | 0.66% | 0.74% | -0.1 pts |
| ROE | 4.7% | 6.5% | -1.7 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $243.6M | $208.2M | $178.6M | $34.1M | $808K | 0.66% | 4.59% | 2.51% | 23,687 |
| Q1 2026 | $241.8M | $206.4M | $175.1M | $33.3M | $-3K | -0.01% | 4.13% | 1.89% | 23,794 |
| Q4 2025 | $234.6M | $199.3M | $180.0M | $33.3M | $6.6M | 2.81% | 4.36% | 2.03% | 23,567 |
| Q3 2025 | $219.6M | $184.6M | $182.0M | $33.3M | $6.1M | 3.70% | 4.55% | 1.57% | 23,381 |
| Q2 2025 | $219.1M | $184.6M | $168.5M | $32.6M | $5.4M | 4.92% | 4.40% | 1.48% | 22,941 |
| Q1 2025 | $232.7M | $197.8M | $163.6M | $28.4M | $1.2M | 2.14% | 3.86% | 1.45% | 22,875 |
| Q4 2024 | $219.3M | $186.4M | $163.9M | $27.2M | $2.3M | 1.05% | 4.07% | 1.39% | 22,596 |
| Q3 2024 | $206.2M | $169.9M | $168.0M | $27.6M | $2.3M | 1.49% | 4.29% |
| Ratio | Corazo Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.74% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 6.5% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.99% |
| 22,849 |
| Q2 2024 | $202.8M | $170.9M | $150.4M | $26.8M | $1.4M | 1.42% | 4.28% | 1.23% | 22,348 |
Loan mix (Q2 2026): real estate $12.2M · commercial $2.8M · consumer $162.8M · securities $21.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 77.5% | 38th |
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 | Corazo 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 | Corazo 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 | Corazo 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 | Corazo 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 | Corazo 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.
6 branches in 2 counties across 1 state (+2 vs 2025). Biggest market: Imperial, CA, ranked 7th with 5.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Imperial, CA | 5 | $173.5M* | 5.43% | 7th |
| Riverside, CA | 1 | $34.7M* | 0.07% | 37th |
California: 254th with 0.01% · El Centro metro: 7th, 5.43% · Riverside-San Bernardino-Ontario metro: 62nd, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 6