| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.8% | -6.4 pts |
| Share growth (YoY) | -1.2% | +4.3% | -5.5 pts |
| Loan growth (YoY) | +1.1% | +4.3% | -3.2 pts |
| ROA | 0.35% | 0.62% | -0.3 pts |
| ROE | 3.9% | 5.9% | -2.0 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $665.9M | $607.1M | $410.2M | $59.3M | $583K | 0.35% | 3.57% | 0.86% | 50,834 |
| Q4 2025 | $653.5M | $596.4M | $395.0M | $58.7M | $5.5M | 0.84% | 3.52% | 1.35% | 50,032 |
| Q3 2025 | $659.5M | $602.5M | $397.1M | $58.2M | $5.0M | 1.02% | 3.41% | 1.62% | 49,928 |
| Q2 2025 | $662.9M | $610.1M | $407.0M | $57.7M | $4.5M | 1.35% | 3.32% | 1.45% | 49,628 |
| Q1 2025 | $676.8M | $614.7M | $405.8M | $54.3M | $1.1M | 0.65% | 3.29% | 1.35% | 49,268 |
| Q4 2024 | $677.3M | $614.8M | $412.3M | $53.2M | $-9.4M | -1.39% | 3.11% | 1.33% | 48,920 |
| Q3 2024 | $663.4M | $600.8M | $414.7M | $53.1M | $-9.5M | -1.91% | 3.14% | 1.38% | 48,671 |
| Q2 2024 | $634.5M | $569.5M | $419.4M | $54.5M | $-8.1M | -2.56% | 3.22% |
| Ratio | Rio Grande Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.62% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.98% |
| 48,008 |
Loan mix (Q1 2026): real estate $115.6M · commercial $21.3M · consumer $262.1M · securities $105.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 78.3% | 76th |
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 | Rio Grande 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 | Rio Grande 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 | Rio Grande 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 | Rio Grande 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.