| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.8 pts |
| Share growth (YoY) | +8.8% | +0.9% | +7.8 pts |
| Loan growth (YoY) | -12.7% | -2.6% | -10.1 pts |
| ROA | -0.17% | 0.65% | -0.8 pts |
| ROE | -1.2% | 4.4% | -5.6 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.6M | $4.8M | $3.4M | $811K | $-5K | -0.17% | 1.75% | 0.00% | 445 |
| Q1 2026 | $5.4M | $4.5M | $3.5M | $807K | $-18K | -1.32% | 3.03% | 0.00% | 445 |
| Q4 2025 | $5.3M | $4.4M | $3.6M | $814K | $-13K | -0.25% | 2.02% | 0.00% | 443 |
| Q3 2025 | $5.2M | $4.4M | $3.7M | $814K | $-13K | -0.33% | 1.93% | 0.00% | 440 |
| Q2 2025 | $5.2M | $4.4M | $3.8M | $828K | $1K | 0.05% | 1.85% | 0.19% | 459 |
| Q1 2025 | $5.5M | $4.6M | $3.9M | $813K | $-13K | -0.98% | 1.66% | 0.20% | 516 |
| Q4 2024 | $5.3M | $4.5M | $3.9M | $827K | $11K | 0.20% | 2.21% | 0.42% | 510 |
| Q3 2024 | $5.1M | $4.3M | $3.9M | $830K | $14K | 0.36% | 2.32% | 1.00% | 524 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.17% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 4.4% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.0M | $4.2M | $4.0M | $817K | $1K | 0.06% | 2.15% | 0.61% | 508 |
Loan mix (Q2 2026): real estate $1.6M · commercial $0 · consumer $1.7M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.5% | 80.6% | 92nd |
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.
3 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Morgan, CO, ranked 10th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Morgan, CO | 3 | $4.8M* | 0.51% | 10th |
Colorado: 190th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3