| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.8% | -0.9 pts |
| Share growth (YoY) | +3.3% | +4.3% | -1.0 pts |
| Loan growth (YoY) | +3.6% | +4.3% | -0.7 pts |
| ROA | 0.64% | 0.62% | +0.0 pts |
| ROE | 5.0% | 5.9% | -0.9 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $727.8M | $628.2M | $532.7M | $93.0M | $1.2M | 0.64% | 3.66% | 0.64% | 43,655 |
| Q4 2025 | $712.9M | $617.3M | $535.0M | $91.8M | $10.1M | 1.41% | 3.62% | 0.71% | 43,655 |
| Q3 2025 | $709.1M | $611.0M | $533.1M | $91.5M | $9.8M | 1.84% | 3.67% | 0.61% | 43,436 |
| Q2 2025 | $712.7M | $617.7M | $522.8M | $88.5M | $6.8M | 1.90% | 3.57% | 0.72% | 43,128 |
| Q1 2025 | $700.9M | $608.0M | $514.1M | $86.4M | $4.7M | 2.67% | 3.56% | 0.39% | 41,980 |
| Q4 2024 | $677.2M | $590.2M | $511.8M | $81.8M | $8.8M | 1.30% | 3.44% | 0.39% | 41,804 |
| Q3 2024 | $685.3M | $598.1M | $504.2M | $79.6M | $6.6M | 1.29% | 3.30% | 0.68% | 41,759 |
| Q2 2024 | $681.4M | $597.4M | $508.1M | $76.6M | $3.6M | 1.07% | 3.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.62% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 41,594 |
Loan mix (Q1 2026): real estate $228.6M · commercial $67.1M · consumer $180.0M · securities $71.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 78.3% | 67th |
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.
9 branches in 7 counties across 3 states (+0 vs 2024). Biggest market: Laramie, WY, ranked 7th with 5.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Laramie, WY | 3 | $205.9M* | 5.37% | 7th |
| Scotts Bluff, NE | 1 | $68.6M* | 4.85% | 5th |
| Larimer, CO | 1 | $68.6M* | 0.51% | 27th |
| 4 more counties with Pro → | ||||
Wyoming: 18th with 1.66% · Nebraska: 107th with 0.14% · Colorado: 151st with 0.03% · Cheyenne metro: 7th, 5.37% · Fort Collins-Loveland metro: 27th, 0.51% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9