| Metric | Red Rocks Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.9% | +0.6 pts |
| Share growth (YoY) | +5.5% | +3.3% | +2.2 pts |
| Loan growth (YoY) | +4.3% | +2.9% | +1.4 pts |
| ROA | 0.25% | 0.69% | -0.4 pts |
| ROE | 2.7% | 5.9% | -3.2 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $354.4M | $301.7M | $272.9M | $32.1M | $221K | 0.25% | 3.46% | 0.59% | 18,210 |
| Q4 2025 | $350.4M | $296.3M | $271.2M | $31.9M | $400K | 0.11% | 3.42% | 0.71% | 18,086 |
| Q3 2025 | $331.2M | $277.6M | $266.7M | $32.6M | $442K | 0.18% | 3.59% | 0.61% | 17,927 |
| Q2 2025 | $329.9M | $276.5M | $267.1M | $32.4M | $260K | 0.16% | 3.51% | 0.61% | 17,890 |
| Q1 2025 | $339.2M | $286.0M | $261.5M | $32.4M | $195K | 0.23% | 3.28% | 0.78% | 17,776 |
| Q4 2024 | $330.0M | $276.3M | $267.8M | $32.2M | $496K | 0.15% | 3.92% | 0.75% | 17,739 |
| Q3 2024 | $327.0M | $273.8M | $272.0M | $32.7M | $374K | 0.15% | 4.05% | 0.97% | 17,665 |
| Q2 2024 | $323.3M | $275.5M | $263.2M | $32.6M | $240K | 0.15% | 4.10% |
| Ratio | Red Rocks Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.69% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.01% |
| 17,642 |
Loan mix (Q1 2026): real estate $218.0M · commercial $0 · consumer $54.2M · securities $23.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.5% | 78.7% | 90th |
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 | Red Rocks 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 | Red Rocks 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 | Red Rocks 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 | Red Rocks 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% |
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