| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +1.3% | +6.9 pts |
| Share growth (YoY) | +8.8% | +0.9% | +7.8 pts |
| Loan growth (YoY) | +30.7% | -2.6% | +33.3 pts |
| ROA | 0.45% | 0.65% | -0.2 pts |
| ROE | 2.7% | 4.4% | -1.7 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.0M | $7.4M | $5.4M | $1.5M | $20K | 0.45% | 3.80% | 0.46% | 789 |
| Q1 2026 | $9.2M | $7.7M | $5.4M | $1.5M | $16K | 0.70% | 3.69% | 0.24% | 786 |
| Q4 2025 | $9.1M | $7.5M | $4.6M | $1.5M | $52K | 0.58% | 3.37% | 2.04% | 775 |
| Q3 2025 | $8.7M | $7.2M | $4.3M | $1.5M | $46K | 0.70% | 3.49% | 0.11% | 776 |
| Q2 2025 | $8.3M | $6.8M | $4.1M | $1.5M | $16K | 0.39% | 3.58% | 0.01% | 776 |
| Q1 2025 | $8.2M | $6.7M | $3.8M | $1.5M | $24K | 1.16% | 3.81% | 0.79% | 770 |
| Q4 2024 | $7.9M | $6.4M | $4.0M | $1.4M | $60K | 0.76% | 3.92% | 0.40% | 758 |
| Q3 2024 | $7.8M | $6.3M | $4.1M | $1.4M | $56K | 0.95% | 3.99% | 0.42% | 766 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.65% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.9M | $6.5M | $4.6M | $1.4M | $40K | 1.01% | 3.83% | 0.54% | 768 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.5M · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 80.6% | 45th |
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 2 counties across 2 states (+0 vs 2025). Biggest market: Rio Blanco, CO, ranked 3rd with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rio Blanco, CO | 2 | $4.9M* | 1.89% | 3rd |
| Kent, MI | 1 | $2.5M* | 0.01% | 73rd |
Colorado: 189th with 0.00% · Michigan: 305th with 0.00% · Grand Rapids-Wyoming-Kentwood metro: 86th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3