| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +1.3% | +7.5 pts |
| Share growth (YoY) | +9.2% | +0.9% | +8.3 pts |
| Loan growth (YoY) | -24.4% | -2.6% | -21.8 pts |
| ROA | 1.01% | 0.65% | +0.4 pts |
| ROE | 7.8% | 4.4% | +3.4 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.3M | $15.9M | $7.0M | $2.4M | $93K | 1.01% | 3.15% | 1.95% | 1,848 |
| Q1 2026 | $18.2M | $15.8M | $7.6M | $2.4M | $71K | 1.56% | 3.19% | 1.68% | 1,894 |
| Q4 2025 | $17.2M | $14.9M | $8.2M | $2.3M | $35K | 0.20% | 3.64% | 0.81% | 1,923 |
| Q3 2025 | $16.8M | $14.5M | $9.2M | $2.3M | $7K | 0.06% | 3.77% | 1.69% | 1,952 |
| Q2 2025 | $16.8M | $14.6M | $9.3M | $2.3M | $-12K | -0.14% | 3.75% | 1.65% | 1,989 |
| Q1 2025 | $17.1M | $14.8M | $9.0M | $2.3M | $4K | 0.10% | 3.62% | 1.89% | 2,008 |
| Q4 2024 | $16.7M | $14.5M | $9.1M | $2.3M | $-101K | -0.61% | 3.91% | 2.58% | 2,030 |
| Q3 2024 | $17.2M | $14.8M | $9.8M | $2.5M | $40K | 0.31% | 3.87% | 2.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.65% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,050 |
| Q2 2024 | $17.9M | $15.5M | $10.3M | $2.5M | $28K | 0.31% | 3.79% | 2.91% | 2,043 |
Loan mix (Q2 2026): real estate $2.0M · commercial $79K · consumer $3.3M · securities $9.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 80.6% | 50th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: San Juan, NM, ranked 11th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Juan, NM | 1 | $15.9M* | 0.60% | 11th |
New Mexico: 91st with 0.02% · Farmington metro: 11th, 0.60% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1