| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +2.2% | +0.9% | +1.3 pts |
| Loan growth (YoY) | +3.4% | -2.6% | +6.0 pts |
| ROA | 1.29% | 0.65% | +0.6 pts |
| ROE | 5.2% | 4.4% | +0.8 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.0M | $31.4M | $26.9M | $10.5M | $272K | 1.29% | 2.96% | 0.19% | 3,798 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.65% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,510 |
| Q2 2024 | $38.6M | $28.8M | $25.1M | $9.5M | $166K | 0.86% | 2.57% | 0.02% | 3,498 |
Loan mix (Q2 2026): real estate $19.0M · commercial $2.8M · consumer $3.3M · securities $6.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 80.6% | 16th |
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 2025). Biggest market: Conejos, CO, ranked 2nd with 21.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Conejos, CO | 2 | $20.9M* | 21.63% | 2nd |
Colorado: 172nd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3