| Metric | Rimrock Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +4.7% | +0.7% | +4.0 pts |
| Loan growth (YoY) | +6.7% | -2.4% | +9.1 pts |
| ROA | 1.40% | 0.60% | +0.8 pts |
| ROE | 9.4% | 4.1% | +5.3 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $63.5M | $53.7M | $16.6M | $9.4M | $222K | 1.40% | 3.45% | 0.07% | 3,252 |
| Q4 2025 | $61.2M | $51.6M | $16.9M | $9.2M | $916K | 1.50% | 3.65% | 0.35% | 3,343 |
| Q3 2025 | $60.0M | $50.6M | $16.7M | $8.9M | $646K | 1.44% | 3.67% | 0.30% | 3,354 |
| Q2 2025 | $60.2M | $51.0M | $16.5M | $8.7M | $431K | 1.43% | 3.59% | 0.11% | 3,368 |
| Q1 2025 | $60.2M | $51.3M | $15.6M | $8.5M | $197K | 1.31% | 3.58% | 0.22% | 3,371 |
| Q4 2024 | $59.5M | $50.8M | $16.6M | $8.3M | $885K | 1.49% | 3.63% | 0.26% | 3,374 |
| Q3 2024 | $56.7M | $48.3M | $17.2M | $8.0M | $648K | 1.52% | 3.79% | 0.20% | 3,410 |
| Q2 2024 | $56.6M | $48.4M | $17.4M | $7.8M | $373K | 1.32% | 3.73% | 0.08% |
| Ratio | Rimrock Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,431 |
Loan mix (Q1 2026): real estate $1.4M · commercial $0 · consumer $13.8M · securities $37.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 81.5% | 15th |
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 | Rimrock 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 | Rimrock 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 | Rimrock 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 | Rimrock 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.