| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.2% | +1.3% | -11.5 pts |
| Share growth (YoY) | -11.4% | +0.7% | -12.1 pts |
| Loan growth (YoY) | +3.5% | -2.4% | +5.8 pts |
| ROA | -0.76% | 0.60% | -1.4 pts |
| ROE | -4.3% | 4.1% | -8.4 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.4M | $9.4M | $8.5M | $2.0M | $-21K | -0.76% | 3.40% | 0.00% | 1,058 |
| Q4 2025 | $11.3M | $9.2M | $8.3M | $2.0M | $9K | 0.08% | 3.29% | 0.00% | 1,201 |
| Q3 2025 | $11.5M | $9.5M | $8.2M | $2.0M | $14K | 0.16% | 3.18% | 0.00% | 1,197 |
| Q2 2025 | $12.1M | $10.1M | $8.4M | $2.0M | $13K | 0.22% | 3.00% | 0.53% | 1,204 |
| Q1 2025 | $12.7M | $10.6M | $8.3M | $2.0M | $10K | 0.31% | 2.90% | 0.25% | 1,202 |
| Q4 2024 | $12.5M | $10.4M | $8.8M | $2.0M | $-813 | -0.01% | 2.52% | 0.22% | 1,207 |
| Q3 2024 | $13.1M | $11.1M | $9.1M | $2.0M | $-17K | -0.17% | 2.59% | 0.33% | 1,199 |
| Q2 2024 | $12.3M | $9.7M | $9.3M | $2.0M | $-6K | -0.10% | 2.80% | 0.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.76% | 0.60% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -4.3% | 4.1% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,192 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.4M · securities $498K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.8% | 81.5% | 94th |
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 2024). Biggest market: Eddy, NM, ranked 11th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Eddy, NM | 1 | $10.1M* | 0.35% | 11th |
New Mexico: 95th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1