| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.8% | +1.3% | -16.1 pts |
| Share growth (YoY) | -16.7% | +0.9% | -17.6 pts |
| Loan growth (YoY) | -15.6% | -2.6% | -12.9 pts |
| ROA | 0.64% | 0.65% | -0.0 pts |
| ROE | 4.9% | 4.4% | +0.5 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.7M | $5.0M | $1.9M | $752K | $18K | 0.64% | 4.03% | 0.00% | 779 |
| Q1 2026 | $6.6M | $5.8M | $2.1M | $743K | $10K | 0.58% | 3.63% | 0.10% | 805 |
| Q4 2025 | $6.5M | $5.7M | $2.1M | $733K | $-34K | -0.53% | 2.64% | 0.00% | 802 |
| Q3 2025 | $6.7M | $5.9M | $2.1M | $757K | $-11K | -0.22% | 2.47% | 0.00% | 804 |
| Q2 2025 | $6.7M | $6.0M | $2.3M | $757K | $-11K | -0.31% | 2.45% | 2.34% | 805 |
| Q1 2025 | $6.6M | $5.8M | $2.2M | $763K | $-5K | -0.28% | 2.65% | 2.29% | 818 |
| Q4 2024 | $6.3M | $5.5M | $2.4M | $768K | $27K | 0.43% | 2.89% | 2.12% | 814 |
| Q3 2024 | $6.0M | $5.2M | $2.6M | $763K | $22K | 0.50% | 3.10% | 2.03% | 826 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.8M | $5.0M | $2.7M | $756K | $16K | 0.56% | 3.31% | 0.00% | 831 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 80.6% | 65th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Moffat, CO, ranked 4th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Moffat, CO | 1 | $5.0M* | 1.18% | 4th |
Colorado: 188th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1