| Metric | Loco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +1.3% | -6.7 pts |
| Share growth (YoY) | -5.7% | +0.9% | -6.7 pts |
| Loan growth (YoY) | -9.1% | -2.6% | -6.4 pts |
| ROA | -0.40% | 0.65% | -1.0 pts |
| ROE | -3.1% | 4.4% | -7.5 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $60.8M | $52.3M | $24.1M | $7.9M | $-122K | -0.40% | 3.63% | 3.20% | 4,167 |
| Q1 2026 | $62.0M | $53.6M | $25.0M | $8.1M | $-143K | -0.92% | 3.27% | 1.39% | 4,308 |
| Q4 2025 | $64.5M | $56.2M | $26.2M | $8.3M | $-380K | -0.59% | 3.63% | 0.79% | 4,167 |
| Q3 2025 | $66.2M | $57.3M | $26.8M | $8.4M | $-238K | -0.48% | 3.52% | 0.86% | 4,224 |
| Q2 2025 | $64.2M | $55.5M | $26.5M | $8.5M | $-176K | -0.55% | 3.47% | 2.12% | 4,434 |
| Q1 2025 | $63.6M | $54.6M | $25.7M | $8.8M | $-108K | -0.68% | 3.63% | 1.84% | 4,502 |
| Q4 2024 | $62.1M | $53.4M | $26.5M | $8.9M | $-320K | -0.52% | 3.90% | 2.32% | 4,567 |
| Q3 2024 | $62.3M | $53.2M | $27.6M | $9.0M | $-220K | -0.47% | 3.89% |
| Ratio | Loco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.40% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -3.1% | 4.4% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2.27% |
| 4,607 |
| Q2 2024 | $62.8M | $53.7M | $27.7M | $9.0M | $-217K | -0.69% | 3.94% | 1.39% | 4,661 |
Loan mix (Q2 2026): real estate $18K · commercial $0 · consumer $22.3M · securities $21.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 80.6% | 24th |
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 | Loco 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 | Loco Credit Union | 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 | Loco 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 | Loco 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 | Loco 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Otero, NM, ranked 7th with 4.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Otero, NM | 1 | $52.3M* | 4.83% | 7th |
New Mexico: 75th with 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1