| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.1% | +2.4 pts |
| Share growth (YoY) | +5.6% | +3.5% | +2.1 pts |
| Loan growth (YoY) | +5.7% | +2.9% | +2.8 pts |
| ROA | 1.21% | 0.74% | +0.5 pts |
| ROE | 8.4% | 6.5% | +2.0 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $172.3M | $146.8M | $70.2M | $24.7M | $1.0M | 1.21% | 3.27% | 0.00% | 7,040 |
| Q1 2026 | $177.7M | $152.6M | $67.4M | $24.1M | $463K | 1.04% | 3.05% | 0.00% | 7,156 |
| Q4 2025 | $168.9M | $144.9M | $64.7M | $23.7M | $2.1M | 1.24% | 3.27% | 0.24% | 7,144 |
| Q3 2025 | $167.4M | $144.0M | $66.7M | $23.1M | $1.5M | 1.20% | 3.20% | 0.23% | 7,136 |
| Q2 2025 | $161.9M | $139.0M | $66.4M | $22.6M | $999K | 1.23% | 3.25% | 0.00% | 7,088 |
| Q1 2025 | $161.6M | $138.8M | $64.0M | $22.0M | $454K | 1.12% | 3.11% | 0.01% | 7,075 |
| Q4 2024 | $155.1M | $134.0M | $59.0M | $21.6M | $5.0M | 3.22% | 3.11% | 0.00% | 7,016 |
| Q3 2024 | $154.4M | $131.6M | $59.6M | $20.0M | $3.4M | 2.96% | 3.12% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.74% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 6.5% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.00% |
| 7,092 |
| Q2 2024 | $145.5M | $123.4M | $58.6M | $18.9M | $2.3M | 3.15% | 3.32% | 0.01% | 7,179 |
Loan mix (Q2 2026): real estate $35.0M · commercial $20.7M · consumer $9.6M · securities $80.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | 77.5% | 28th |
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.
3 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Gunnison, CO, ranked 4th with 12.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gunnison, CO | 2 | $97.9M* | 12.87% | 4th |
| Montrose, CO | 1 | $48.9M* | 3.33% | 10th |
Colorado: 111th with 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3