| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | +5.2% | -2.4% | +7.5 pts |
| ROA | 0.84% | 0.60% | +0.2 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.1M | $1.7M | $1.1M | $399K | $4K | 0.84% | 3.53% | 0.00% | 261 |
| Q4 2025 | $2.1M | $1.7M | $1.2M | $394K | $17K | 0.84% | 2.84% | 0.00% | 261 |
| Q3 2025 | $2.1M | $1.7M | $1.2M | $392K | $15K | 0.95% | 2.92% | 0.00% | 259 |
| Q2 2025 | $2.1M | $1.7M | $1.2M | $385K | $8K | 0.74% | 2.90% | 0.00% | 254 |
| Q1 2025 | $2.1M | $1.7M | $1.1M | $381K | $2K | 0.44% | 3.02% | 0.00% | 252 |
| Q4 2024 | $2.1M | $1.7M | $1.0M | $377K | $3K | 0.12% | 2.55% | 0.00% | 247 |
| Q3 2024 | $2.1M | $1.8M | $992K | $374K | $2K | 0.11% | 2.36% | 0.02% | 245 |
| Q2 2024 | $2.2M | $1.8M | $784K | $369K | $-2K | -0.17% | 2.33% | 0.00% | 242 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.0M · securities $249K
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.60% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 81.5% | 42nd |
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 1 county across 1 state (+0 vs 2024). Biggest market: Cibola, NM, ranked 4th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cibola, NM | 2 | $1.7M* | 0.59% | 4th |
New Mexico: 101st with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2