| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.1% | +1.8 pts |
| Share growth (YoY) | +4.6% | +3.5% | +1.1 pts |
| Loan growth (YoY) | +13.9% | +2.9% | +11.0 pts |
| ROA | 1.79% | 0.74% | +1.1 pts |
| ROE | 12.8% | 6.5% | +6.3 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $120.0M | $102.4M | $76.8M | $16.9M | $1.1M | 1.79% | 4.72% | 0.73% | 8,966 |
| Q1 2026 | $119.3M | $102.1M | $72.0M | $16.3M | $523K | 1.75% | 4.62% | 0.36% | 8,844 |
| Q4 2025 | $113.7M | $97.0M | $70.4M | $15.8M | $2.0M | 1.72% | 4.74% | 0.60% | 8,709 |
| Q3 2025 | $114.6M | $98.5M | $67.7M | $15.3M | $1.4M | 1.68% | 4.65% | 0.44% | 8,644 |
| Q2 2025 | $113.4M | $97.9M | $67.4M | $14.8M | $981K | 1.73% | 4.53% | 0.58% | 8,598 |
| Q1 2025 | $111.6M | $96.5M | $66.0M | $14.3M | $463K | 1.66% | 4.49% | 0.65% | 8,490 |
| Q4 2024 | $107.2M | $92.6M | $64.5M | $13.8M | $1.6M | 1.53% | 4.29% | 0.48% | 8,419 |
| Q3 2024 | $104.5M | $90.6M | $63.3M | $13.3M | $1.1M | 1.45% | 4.33% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.74% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 6.5% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 8,380 |
| Q2 2024 | $104.5M | $90.6M | $62.7M | $12.8M | $606K | 1.16% | 4.13% | 0.48% | 8,308 |
Loan mix (Q2 2026): real estate $1.7M · commercial $0 · consumer $69.2M · securities $33.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 77.5% | 15th |
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.
4 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Lea, NM, ranked 7th with 2.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lea, NM | 3 | $76.8M* | 2.88% | 7th |
| Yoakum, TX | 1 | $25.6M* | 6.77% | 5th |
New Mexico: 71st with 0.12% · Texas: 696th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4