| Metric | Questa Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +1.3% | +7.7 pts |
| Share growth (YoY) | +8.4% | +0.9% | +7.5 pts |
| Loan growth (YoY) | +13.4% | -2.6% | +16.1 pts |
| ROA | 3.20% | 0.65% | +2.6 pts |
| ROE | 13.8% | 4.4% | +9.4 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $32.6M | $23.7M | $19.6M | $7.6M | $522K | 3.20% | 5.36% | 2.08% | 2,129 |
| Q1 2026 | $32.0M | $23.1M | $18.5M | $7.2M | $262K | 3.27% | 5.47% | 2.22% | 2,098 |
| Q4 2025 | $31.3M | $22.8M | $17.6M | $6.8M | $713K | 2.28% | 5.15% | 2.12% | 2,073 |
| Q3 2025 | $30.4M | $22.1M | $17.1M | $6.4M | $493K | 2.16% | 5.16% | 3.17% | 2,084 |
| Q2 2025 | $29.9M | $21.8M | $17.3M | $6.1M | $322K | 2.15% | 5.09% | 2.26% | 2,186 |
| Q1 2025 | $28.7M | $20.8M | $16.6M | $5.8M | $135K | 1.88% | 5.31% | 0.17% | 2,168 |
| Q4 2024 | $25.8M | $18.2M | $16.4M | $5.5M | $630K | 2.44% | 5.64% | 0.38% | 2,133 |
| Q3 2024 | $26.2M | $18.5M | $16.1M | $5.3M | $606K | 3.09% | 5.44% | 1.08% |
| Ratio | Questa Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.20% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 4.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.36% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,125 |
| Q2 2024 | $24.9M | $17.3M | $15.3M | $4.9M | $413K | 3.32% | 5.61% | 0.34% | 2,094 |
Loan mix (Q2 2026): real estate $6.9M · commercial $203K · consumer $8.6M · securities $8.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.4% | 80.6% | 5th |
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 | Questa 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 | Questa 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 | Questa 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 | Questa 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 | Questa 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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Taos, NM, ranked 6th with 2.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Taos, NM | 3 | $23.7M* | 2.46% | 6th |
New Mexico: 86th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 3 · 2024 3 · 2025 3 · 2026 3