| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -2.3% | +0.9% | -3.3 pts |
| Loan growth (YoY) | -4.9% | -2.6% | -2.3 pts |
| ROA | 2.59% | 0.65% | +1.9 pts |
| ROE | 15.4% | 4.4% | +11.0 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $50.3M | $39.9M | $34.8M | $8.5M | $650K | 2.59% | 4.37% | 1.39% | 3,474 |
| Q1 2026 | $50.4M | $40.2M | $35.1M | $8.1M | $342K | 2.71% | 4.29% | 0.53% | 3,550 |
| Q4 2025 | $49.7M | $40.1M | $35.8M | $9.4M | $1.1M | 2.20% | 4.34% | 0.77% | 3,588 |
| Q3 2025 | $49.5M | $39.9M | $36.4M | $9.1M | $874K | 2.35% | 4.25% | 1.00% | 3,635 |
| Q2 2025 | $50.1M | $40.9M | $36.6M | $8.8M | $551K | 2.20% | 4.15% | 0.61% | 3,719 |
| Q1 2025 | $49.7M | $40.8M | $36.6M | $8.5M | $277K | 2.23% | 4.16% | 0.65% | 3,719 |
| Q4 2024 | $46.5M | $39.5M | $34.7M | $6.7M | $717K | 1.54% | 3.67% | 1.70% | 2,832 |
| Q3 2024 | $46.6M | $39.7M | $35.8M | $6.6M | $602K | 1.72% | 3.59% | 1.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.59% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 4.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,829 |
| Q2 2024 | $45.1M | $38.5M | $36.7M | $6.4M | $374K | 1.66% | 3.60% | 0.65% | 2,769 |
Loan mix (Q2 2026): real estate $7.9M · commercial $0 · consumer $21.5M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 80.6% | 5th |
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 2 counties across 2 states (+0 vs 2025). Biggest market: Chaves, NM, ranked 11th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chaves, NM | 1 | $20.0M* | 1.26% | 11th |
| Collin, TX | 1 | $20.0M* | 0.04% | 93rd |
New Mexico: 87th with 0.03% · Texas: 726th with 0.00% · Dallas-Fort Worth-Arlington metro: 234th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2