| Metric | Kan Colo Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.3 pts |
| Loan growth (YoY) | +27.2% | -2.4% | +29.6 pts |
| ROA | 0.95% | 0.60% | +0.3 pts |
| ROE | 7.3% | 4.1% | +3.2 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.5M | $1.3M | $604K | $191K | $3K | 0.95% | 3.80% | 0.00% | 113 |
| Q4 2025 | $1.4M | $1.2M | $600K | $187K | $13K | 0.92% | 3.24% | 0.00% | 113 |
| Q3 2025 | $1.4M | $1.2M | $581K | $182K | $8K | 0.72% | 3.00% | 0.00% | 112 |
| Q2 2025 | $1.4M | $1.2M | $497K | $178K | $4K | 0.62% | 3.03% | 0.17% | 110 |
| Q1 2025 | $1.4M | $1.2M | $475K | $175K | $1K | 0.31% | 2.80% | 0.33% | 109 |
| Q4 2024 | $1.4M | $1.2M | $499K | $174K | $9K | 0.67% | 3.11% | 0.41% | 107 |
| Q3 2024 | $1.4M | $1.2M | $476K | $172K | $7K | 0.71% | 3.24% | 5.59% | 105 |
| Q2 2024 | $1.4M | $1.2M | $494K | $171K | $6K | 0.91% | 3.29% | 5.58% | 105 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $406K · securities $310K
| Ratio | Kan Colo Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 81.5% | 30th |
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 | Kan Colo Credit Union | 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 | Kan Colo Credit Union | 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 | Kan Colo Credit Union | 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 | Kan Colo Credit Union | 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% |
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