| Metric | Guadalupe Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +3.9% | +4.3 pts |
| Share growth (YoY) | +7.1% | +3.3% | +3.8 pts |
| Loan growth (YoY) | +11.0% | +2.9% | +8.1 pts |
| ROA | 0.69% | 0.69% | -0.0 pts |
| ROE | 5.7% | 5.9% | -0.3 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $348.6M | $301.3M | $209.0M | $42.4M | $604K | 0.69% | 4.72% | 1.35% | 31,561 |
| Q4 2025 | $336.2M | $289.7M | $207.9M | $41.8M | $5.7M | 1.69% | 4.76% | 1.09% | 31,296 |
| Q3 2025 | $335.3M | $291.2M | $196.8M | $39.7M | $3.5M | 1.39% | 4.69% | 1.19% | 30,999 |
| Q2 2025 | $331.8M | $289.3M | $191.9M | $38.8M | $2.5M | 1.54% | 4.62% | 1.05% | 30,538 |
| Q1 2025 | $322.2M | $281.3M | $188.2M | $37.5M | $797K | 0.99% | 4.60% | 1.41% | 30,108 |
| Q4 2024 | $306.6M | $267.0M | $188.8M | $36.7M | $3.3M | 1.08% | 4.63% | 0.97% | 29,670 |
| Q3 2024 | $300.4M | $262.7M | $186.5M | $36.1M | $2.6M | 1.16% | 4.65% | 1.16% | 29,642 |
| Q2 2024 | $285.3M | $248.7M | $182.5M | $34.8M | $1.3M | 0.90% | 4.76% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Guadalupe Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.69% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.15% |
| 29,030 |
Loan mix (Q1 2026): real estate $78.7M · commercial $55K · consumer $102.5M · securities $47.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 78.7% | 65th |
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 | Guadalupe 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% |
| Ratio | Guadalupe Credit Union | 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 | Guadalupe 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% |
| Ratio | Guadalupe 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% |
| Ratio | Guadalupe 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% |
The full ratio pack is part of CharterBench Pro.
8 branches in 5 counties across 1 state (+0 vs 2024). Biggest market: Santa Fe, NM, ranked 12th with 2.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Santa Fe, NM | 4 | $144.6M* | 2.24% | 12th |
| Rio Arriba, NM | 1 | $36.2M* | 4.85% | 6th |
| San Miguel, NM | 1 | $36.2M* | 4.37% | 5th |
| 2 more counties with Pro → | ||||
New Mexico: 44th with 0.47% · Santa Fe metro: 12th, 2.24% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 8 · 2024 8 · 2025 8