| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -3.6% | +0.9% | -4.6 pts |
| Loan growth (YoY) | -3.7% | -2.6% | -1.1 pts |
| ROA | 0.69% | 0.65% | +0.0 pts |
| ROE | 5.9% | 4.4% | +1.5 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $32.4M | $28.5M | $20.0M | $3.8M | $111K | 0.69% | 3.88% | 0.74% | 2,235 |
| Q1 2026 | $32.2M | $28.4M | $19.8M | $3.7M | $74K | 0.92% | 3.94% | 0.37% | 2,221 |
| Q4 2025 | $32.8M | $29.0M | $20.1M | $3.7M | $235K | 0.72% | 3.81% | 0.62% | 2,226 |
| Q3 2025 | $32.7M | $28.9M | $20.8M | $3.7M | $176K | 0.72% | 3.76% | 0.23% | 2,210 |
| Q2 2025 | $33.4M | $29.6M | $20.8M | $3.6M | $100K | 0.60% | 3.45% | 0.42% | 2,246 |
| Q1 2025 | $33.1M | $29.5M | $20.6M | $3.6M | $68K | 0.83% | 3.33% | 0.20% | 2,187 |
| Q4 2024 | $33.0M | $29.5M | $20.6M | $3.5M | $259K | 0.78% | 3.53% | 0.67% | 2,209 |
| Q3 2024 | $32.5M | $29.1M | $20.9M | $3.4M | $166K | 0.68% | 3.53% | 0.33% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.65% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,167 |
| Q2 2024 | $32.0M | $28.6M | $21.5M | $3.4M | $113K | 0.71% | 3.48% | 0.66% | 2,155 |
Loan mix (Q2 2026): real estate $9.2M · commercial $0 · consumer $8.5M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 80.6% | 53rd |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Santa Fe, NM, ranked 21st with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Santa Fe, NM | 1 | $14.3M* | 0.20% | 21st |
| Los Alamos, NM | 1 | $14.3M* | 1.16% | 7th |
New Mexico: 84th with 0.04% · Santa Fe metro: 21st, 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2