| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.0 pts |
| Share growth (YoY) | -3.0% | +0.9% | -3.9 pts |
| Loan growth (YoY) | -4.0% | -2.6% | -1.3 pts |
| ROA | 0.99% | 0.65% | +0.3 pts |
| ROE | 9.7% | 4.4% | +5.3 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $72.8M | $65.2M | $21.8M | $7.4M | $359K | 0.99% | 2.78% | 0.73% | 4,334 |
| Q1 2026 | $72.3M | $64.8M | $22.2M | $7.2M | $178K | 0.99% | 2.80% | 1.33% | 4,327 |
| Q4 2025 | $74.1M | $66.9M | $23.1M | $7.0M | $604K | 0.81% | 2.34% | 0.81% | 4,332 |
| Q3 2025 | $74.4M | $67.4M | $23.2M | $6.9M | $455K | 0.82% | 2.23% | 1.31% | 4,357 |
| Q2 2025 | $74.1M | $67.2M | $22.7M | $6.8M | $316K | 0.85% | 2.13% | 1.34% | 4,369 |
| Q1 2025 | $73.8M | $67.1M | $22.5M | $6.6M | $190K | 1.03% | 2.06% | 0.48% | 4,370 |
| Q4 2024 | $73.5M | $67.0M | $22.6M | $6.4M | $166K | 0.23% | 1.76% | 1.02% | 4,374 |
| Q3 2024 | $74.6M | $68.1M | $23.2M | $6.4M | $129K | 0.23% | 1.72% | 0.20% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.65% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,389 |
| Q2 2024 | $77.4M | $70.9M | $23.9M | $6.4M | $87K | 0.22% | 1.65% | 0.64% | 4,461 |
Loan mix (Q2 2026): real estate $15.4M · commercial $74K · consumer $4.6M · securities $44.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | 80.6% | 28th |
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 2025). Biggest market: Delta, CO, ranked 7th with 7.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Delta, CO | 2 | $65.2M* | 7.85% | 7th |
Colorado: 154th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 2 · 2025 2 · 2026 2