| Metric | Options Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.9% | +1.3% | +19.7 pts |
| Share growth (YoY) | +24.0% | +0.9% | +23.1 pts |
| Loan growth (YoY) | +22.0% | -2.6% | +24.6 pts |
| ROA | -0.06% | 0.65% | -0.7 pts |
| ROE | -0.9% | 4.4% | -5.3 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.5M | $5.0M | $5.0M | $383K | $-2K | -0.06% | 4.60% | 1.20% | 556 |
| Q1 2026 | $5.4M | $5.0M | $4.9M | $390K | $5K | 0.38% | 4.63% | 0.05% | 557 |
| Q4 2025 | $4.9M | $4.5M | $4.4M | $385K | $-54K | -1.09% | 4.63% | 0.23% | 561 |
| Q3 2025 | $4.5M | $4.1M | $4.0M | $387K | $-51K | -1.52% | 4.94% | 0.21% | 558 |
| Q2 2025 | $4.5M | $4.1M | $4.1M | $416K | $-22K | -0.96% | 4.97% | 0.37% | 562 |
| Q1 2025 | $4.7M | $4.2M | $4.1M | $430K | $-8K | -0.69% | 4.73% | 0.88% | 571 |
| Q4 2024 | $4.8M | $4.4M | $4.2M | $438K | $-10K | -0.20% | 4.80% | 0.00% | 589 |
| Q3 2024 | $4.7M | $4.2M | $4.4M | $437K | $-10K | -0.29% | 4.98% | 0.00% | 603 |
| Ratio | Options Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.06% | 0.65% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.1M | $4.7M | $4.4M | $441K | $-7K | -0.28% | 4.56% | 0.09% | 670 |
Loan mix (Q2 2026): real estate $1.9M · commercial $0 · consumer $2.9M · securities $27K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.3% | 80.6% | 81st |
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 | Options Credit Union | 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 | Options Credit Union | 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 | Options Credit Union | 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 | Options Credit Union | 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 | Options Credit Union | 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: Jefferson, CO, ranked 43rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, CO | 1 | $5.0M* | 0.02% | 43rd |
Colorado: 187th with 0.00% · Denver-Aurora-Centennial metro: 105th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1