| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +2.8% | +0.9% | +1.9 pts |
| Loan growth (YoY) | +5.8% | -2.6% | +8.4 pts |
| ROA | -0.00% | 0.65% | -0.7 pts |
| ROE | -0.0% | 4.4% | -4.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.8M | $50.0M | $45.3M | $11.3M | $-1K | -0.00% | 4.66% | 0.00% | 5,035 |
| Q1 2026 | $62.1M | $50.1M | $42.8M | $11.2M | $109K | 0.70% | 4.58% | 0.05% | 4,950 |
| Q4 2025 | $60.6M | $48.7M | $42.0M | $11.1M | $575K | 0.95% | 4.73% | 0.43% | 4,917 |
| Q3 2025 | $59.6M | $47.9M | $42.7M | $11.1M | $466K | 1.04% | 4.80% | 0.09% | 4,920 |
| Q2 2025 | $60.3M | $48.7M | $42.8M | $10.9M | $312K | 1.03% | 4.70% | 0.00% | 4,838 |
| Q1 2025 | $58.1M | $46.8M | $41.8M | $10.7M | $127K | 0.87% | 4.77% | 0.01% | 4,779 |
| Q4 2024 | $57.6M | $46.2M | $39.9M | $10.6M | $379K | 0.66% | 4.58% | 0.34% | 4,714 |
| Q3 2024 | $56.4M | $45.0M | $40.1M | $10.7M | $379K | 0.90% | 4.61% | 0.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.00% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.0% | 4.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,955 |
| Q2 2024 | $57.2M | $45.7M | $40.2M | $10.5M | $223K | 0.78% | 4.39% | 0.08% | 4,908 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $38.8M · securities $8.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.3% | 80.6% | 78th |
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: Eddy, NM, ranked 9th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Eddy, NM | 2 | $50.0M* | 1.61% | 9th |
New Mexico: 76th with 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2