| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.6 pts |
| Share growth (YoY) | -4.2% | +0.9% | -5.2 pts |
| Loan growth (YoY) | -1.9% | -2.6% | +0.7 pts |
| ROA | -0.21% | 0.65% | -0.9 pts |
| ROE | -1.7% | 4.4% | -6.1 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.3M | $23.8M | $10.7M | $3.4M | $-29K | -0.21% | 4.30% | 1.00% | 1,815 |
| Q1 2026 | $28.3M | $24.8M | $10.7M | $3.5M | $19K | 0.27% | 4.01% | 0.82% | 1,822 |
| Q4 2025 | $27.6M | $24.0M | $10.6M | $3.5M | $-66K | -0.24% | 3.81% | 3.54% | 1,836 |
| Q3 2025 | $27.3M | $23.7M | $10.5M | $3.5M | $-10K | -0.05% | 3.83% | 3.66% | 1,855 |
| Q2 2025 | $28.5M | $24.9M | $10.9M | $3.5M | $-36K | -0.25% | 3.58% | 1.63% | 1,864 |
| Q1 2025 | $28.9M | $25.4M | $11.3M | $3.5M | $7K | 0.10% | 3.44% | 1.28% | 1,871 |
| Q4 2024 | $28.2M | $24.7M | $11.5M | $3.5M | $17K | 0.06% | 3.69% | 4.97% | 1,879 |
| Q3 2024 | $28.7M | $24.8M | $11.8M | $3.7M | $42K | 0.19% | 3.67% | 4.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.21% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 4.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,894 |
| Q2 2024 | $29.8M | $25.8M | $11.7M | $3.8M | $43K | 0.29% | 3.49% | 3.68% | 1,894 |
Loan mix (Q2 2026): real estate $5.4M · commercial $142K · consumer $4.7M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 80.6% | 80th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Sandoval, NM, ranked 18th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sandoval, NM | 2 | $23.8M* | 0.81% | 18th |
New Mexico: 85th with 0.04% · Albuquerque metro: 35th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2