| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.4 pts |
| Share growth (YoY) | +3.7% | +3.3% | +0.4 pts |
| Loan growth (YoY) | +9.5% | +2.9% | +6.5 pts |
| ROA | 1.06% | 0.69% | +0.4 pts |
| ROE | 9.3% | 5.9% | +3.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $133.3M | $117.9M | $87.0M | $15.2M | $354K | 1.06% | 3.65% | 0.63% | 9,896 |
| Q4 2025 | $130.8M | $115.7M | $84.2M | $14.8M | $1.3M | 0.99% | 3.52% | 0.79% | 9,800 |
| Q3 2025 | $127.5M | $112.8M | $81.1M | $14.4M | $877K | 0.92% | 3.54% | 0.80% | 9,774 |
| Q2 2025 | $127.0M | $112.6M | $79.1M | $14.1M | $561K | 0.88% | 3.43% | 0.64% | 9,724 |
| Q1 2025 | $127.8M | $113.7M | $79.4M | $13.8M | $251K | 0.79% | 3.33% | 0.97% | 9,770 |
| Q4 2024 | $124.7M | $111.0M | $80.6M | $13.6M | $1.3M | 1.04% | 3.32% | 1.09% | 9,767 |
| Q3 2024 | $123.1M | $109.7M | $81.4M | $13.2M | $968K | 1.05% | 3.30% | 1.13% | 9,820 |
| Q2 2024 | $121.4M | $108.3M | $83.4M | $12.8M | $566K | 0.93% | 3.22% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Pikes Peak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.69% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 9,917 |
Loan mix (Q1 2026): real estate $17.5M · commercial $0 · consumer $68.4M · securities $25.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 78.7% | 12th |
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 | Pikes Peak 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 | Pikes Peak 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 | Pikes Peak 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 | Pikes Peak 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.