ENT Credit Union
Total assets
$19.48B
▲ +94.8% YoY
Shares & deposits
$16.21B
▲ +85.1% YoY
Loans
$15.74B
▲ +80.7% YoY
Members
948,633
▲ +70.0% YoY
ROA (annualized)
-0.01%
peers 0.77%
ROE (annualized)
-0.12%
peers 7.68%
Peer comparison 24 credit unions with 10B+ in assets
| Metric | ENT Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +94.8% | +7.0% | +87.8 pts |
| Share growth (YoY) | +85.1% | +6.8% | +78.3 pts |
| Loan growth (YoY) | +80.7% | +6.8% | +73.9 pts |
| ROA | -0.01% | 0.77% | -0.8 pts |
| ROE | -0.1% | 7.7% | -7.8 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 15819, Colorado Spring, CO, 80935
- NCUA charter #
- 68671
- RSSD ID
- 660589
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.48B | $16.21B | $15.74B | $2.25B | $-700K | -0.01% | 3.61% | 0.51% | 948,633 |
| Q4 2025 | $9.97B | $8.61B | $8.47B | $1.08B | $49.8M | 0.50% | 3.60% | 0.81% | 590,486 |
| Q3 2025 | $9.71B | $8.32B | $8.48B | $1.08B | $40.4M | 0.55% | 3.66% | 0.63% | 581,730 |
| Q2 2025 | $10.31B | $8.40B | $8.92B | $1.06B | $16.6M | 0.32% | 3.35% | 0.57% | 576,089 |
| Q1 2025 | $10.00B | $8.76B | $8.71B | $1.05B | $6.8M | 0.27% | 3.32% | 0.60% | 558,171 |
| Q4 2024 | $9.84B | $8.56B | $8.47B | $1.04B | $69.3M | 0.70% | 3.34% | 0.60% | 556,751 |
| Q3 2024 | $9.94B | $8.43B | $8.43B | $1.05B | $52.7M | 0.71% | 3.28% | 0.55% | 551,273 |
| Q2 2024 | $9.79B | $8.28B | $8.36B | $1.03B | $39.1M | 0.80% | 3.28% | 0.54% | 545,810 |
Loan mix (Q1 2026): real estate $9.53B · commercial $2.74B · consumer $3.02B · securities $1.62B
Ratio pack Q1 2026 · peer medians from 24 institutions
Profitability
| Ratio | ENT Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 0.77% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 7.7% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.08% | 83th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 62.8% | 96th | |
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% |
Balance sheet
| Ratio | ENT 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% |
Capital
| Ratio | ENT 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% |
Credit quality
| Ratio | ENT 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% |
Franchise
| Ratio | ENT 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% |
12 more ratios, with trends and peer percentiles.
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