| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | +5.6% | -2.4% | +8.0 pts |
| ROA | 1.08% | 0.60% | +0.5 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.4M | $31.9M | $27.1M | $10.3M | $114K | 1.08% | 2.85% | 0.21% | 3,776 |
| Q4 2025 | $41.5M | $31.1M | $26.2M | $10.2M | $537K | 1.29% | 2.88% | 0.26% | 3,791 |
| Q3 2025 | $40.9M | $30.7M | $26.8M | $10.1M | $407K | 1.33% | 2.88% | 0.26% | 3,793 |
| Q2 2025 | $40.8M | $30.7M | $26.1M | $10.0M | $283K | 1.38% | 2.81% | 0.13% | 3,797 |
| Q1 2025 | $41.0M | $31.0M | $25.6M | $9.8M | $90K | 0.88% | 2.63% | 0.09% | 3,793 |
| Q4 2024 | $39.9M | $30.1M | $25.4M | $9.7M | $382K | 0.96% | 2.59% | 0.11% | 3,507 |
| Q3 2024 | $39.4M | $29.6M | $25.4M | $9.6M | $265K | 0.90% | 2.57% | 0.10% | 3,510 |
| Q2 2024 | $38.6M | $28.8M | $25.1M | $9.5M | $166K | 0.86% | 2.57% | 0.02% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.60% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,498 |
Loan mix (Q1 2026): real estate $18.5M · commercial $3.1M · consumer $3.4M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 81.5% | 22nd |
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 (+0 vs 2024). Biggest market: Conejos, CO, ranked 2nd with 20.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Conejos, CO | 2 | $20.5M* | 20.80% | 2nd |
Colorado: 169th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3