| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +3.1% | +0.7% | +2.5 pts |
| Loan growth (YoY) | -8.2% | -2.4% | -5.9 pts |
| ROA | 1.63% | 0.60% | +1.0 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $81.6M | $64.0M | $28.4M | $17.4M | $332K | 1.63% | 3.17% | 0.35% | 4,910 |
| Q4 2025 | $80.3M | $62.9M | $28.6M | $17.1M | $1.4M | 1.77% | 3.32% | 0.08% | 5,064 |
| Q3 2025 | $80.1M | $63.2M | $28.9M | $16.7M | $1.0M | 1.73% | 3.29% | 0.05% | 4,927 |
| Q2 2025 | $77.6M | $61.0M | $29.7M | $16.4M | $714K | 1.84% | 3.42% | 0.00% | 4,950 |
| Q1 2025 | $78.3M | $62.1M | $30.9M | $16.0M | $362K | 1.85% | 3.38% | 0.01% | 4,948 |
| Q4 2024 | $77.0M | $61.1M | $31.2M | $15.7M | $1.5M | 1.95% | 3.34% | 0.00% | 4,966 |
| Q3 2024 | $75.1M | $59.6M | $31.5M | $15.3M | $1.1M | 2.01% | 3.39% | 0.04% | 5,030 |
| Q2 2024 | $75.0M | $59.9M | $31.2M | $14.9M | $768K | 2.05% | 3.35% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,057 |
Loan mix (Q1 2026): real estate $15.6M · commercial $0 · consumer $10.4M · securities $39.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 81.5% | 7th |
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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Mesa, CO, ranked 18th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mesa, CO | 2 | $61.0M* | 1.22% | 18th |
Colorado: 157th with 0.03% · Grand Junction metro: 18th, 1.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2