| Metric | Cuba Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -2.7% | +0.9% | -3.6 pts |
| Loan growth (YoY) | +2.9% | -2.6% | +5.5 pts |
| ROA | 0.92% | 0.65% | +0.3 pts |
| ROE | 5.0% | 4.4% | +0.6 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.5M | $19.1M | $7.1M | $4.3M | $108K | 0.92% | 3.35% | 0.00% | 1,406 |
| Q1 2026 | $23.6M | $19.3M | $7.0M | $4.3M | $53K | 0.90% | 3.46% | 0.30% | 1,421 |
| Q4 2025 | $23.7M | $19.4M | $6.7M | $4.2M | $350K | 1.48% | 3.75% | 0.15% | 1,430 |
| Q3 2025 | $23.4M | $19.2M | $6.7M | $4.1M | $292K | 1.67% | 3.78% | 0.00% | 1,439 |
| Q2 2025 | $23.7M | $19.6M | $6.9M | $4.1M | $218K | 1.84% | 3.77% | 0.13% | 1,456 |
| Q1 2025 | $23.2M | $19.2M | $6.9M | $4.0M | $145K | 2.50% | 4.00% | 0.00% | 1,484 |
| Q4 2024 | $22.3M | $18.4M | $7.0M | $3.9M | $350K | 1.57% | 4.33% | 0.13% | 1,513 |
| Q3 2024 | $21.6M | $17.8M | $6.9M | $3.8M | $268K | 1.65% | 4.54% | 0.14% |
| Ratio | Cuba Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,518 |
| Q2 2024 | $21.8M | $18.0M | $6.8M | $3.7M | $179K | 1.65% | 4.58% | 0.95% | 1,551 |
Loan mix (Q2 2026): real estate $2.9M · commercial $0 · consumer $2.1M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 80.6% | 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 | Cuba 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 | Cuba 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 | Cuba 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 | Cuba 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 | Cuba 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: Sandoval, NM, ranked 19th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sandoval, NM | 1 | $19.1M* | 0.65% | 19th |
New Mexico: 88th with 0.03% · Albuquerque metro: 37th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1