| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.7 pts |
| Share growth (YoY) | +6.9% | +0.9% | +6.0 pts |
| Loan growth (YoY) | +7.3% | -2.6% | +10.0 pts |
| ROA | 1.76% | 0.65% | +1.1 pts |
| ROE | 17.0% | 4.4% | +12.6 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.5M | $5.8M | $5.2M | $676K | $57K | 1.76% | 4.52% | 1.55% | 672 |
| Q1 2026 | $6.2M | $5.5M | $5.0M | $629K | $10K | 0.64% | 4.61% | 1.40% | 696 |
| Q4 2025 | $5.8M | $5.2M | $4.9M | $619K | $37K | 0.64% | 4.10% | 0.52% | 722 |
| Q3 2025 | $5.9M | $5.2M | $4.6M | $608K | $27K | 0.60% | 3.94% | 0.04% | 730 |
| Q2 2025 | $6.1M | $5.5M | $4.9M | $596K | $14K | 0.47% | 3.90% | 1.27% | 751 |
| Q1 2025 | $5.9M | $5.1M | $4.7M | $584K | $3K | 0.19% | 3.56% | 0.00% | 748 |
| Q4 2024 | $5.0M | $4.2M | $4.4M | $582K | $-71K | -1.41% | 3.42% | 1.55% | 748 |
| Q3 2024 | $4.9M | $4.3M | $4.2M | $573K | $-8K | -0.23% | 3.31% | 0.50% | 763 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 0.65% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 4.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.2M | $4.7M | $3.8M | $568K | $-14K | -0.52% | 3.00% | 1.33% | 787 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $451K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 80.6% | 21st |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 (+1 vs 2025). Biggest market: Mora, NM, ranked 4th with 3.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mora, NM | 3 | $5.8M* | 3.56% | 4th |
New Mexico: 98th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 3