| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +1.3% | +9.6 pts |
| Share growth (YoY) | +10.9% | +0.9% | +10.0 pts |
| Loan growth (YoY) | +6.2% | -2.6% | +8.8 pts |
| ROA | 1.25% | 0.65% | +0.6 pts |
| ROE | 11.4% | 4.4% | +7.0 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.3M | $54.3M | $36.2M | $6.7M | $383K | 1.25% | 3.93% | 0.33% | 3,339 |
| Q1 2026 | $62.7M | $55.9M | $36.1M | $6.5M | $197K | 1.26% | 3.86% | 0.00% | 3,339 |
| Q4 2025 | $61.1M | $54.6M | $36.1M | $6.3M | $605K | 0.99% | 3.67% | 0.00% | 3,379 |
| Q3 2025 | $58.4M | $52.0M | $35.0M | $6.2M | $465K | 1.06% | 3.75% | 0.06% | 3,393 |
| Q2 2025 | $55.3M | $49.0M | $34.1M | $6.1M | $336K | 1.21% | 3.94% | 0.05% | 3,418 |
| Q1 2025 | $57.2M | $51.2M | $33.8M | $5.9M | $159K | 1.11% | 3.62% | 0.81% | 3,403 |
| Q4 2024 | $53.9M | $48.0M | $35.5M | $5.8M | $507K | 0.94% | 3.79% | 0.81% | 3,420 |
| Q3 2024 | $53.6M | $47.8M | $35.8M | $5.7M | $402K | 1.00% | 3.77% | 0.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.65% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 4.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,437 |
| Q2 2024 | $53.5M | $47.9M | $35.9M | $5.5M | $236K | 0.88% | 3.63% | 0.73% | 3,472 |
Loan mix (Q2 2026): real estate $25.8M · commercial $0 · consumer $6.8M · securities $19.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 80.6% | 30th |
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.
4 branches in 3 counties across 3 states (+0 vs 2025). Biggest market: Montrose, CO, ranked 12th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montrose, CO | 2 | $27.2M* | 1.85% | 12th |
| Milwaukee, WI | 1 | $13.6M* | 0.02% | 43rd |
| Genesee, MI | 1 | $13.6M* | 0.14% | 20th |
Colorado: 174th with 0.01% · Wisconsin: 294th with 0.01% · Michigan: 279th with 0.00% · Milwaukee-Waukesha metro: 78th, 0.01% · Flint metro: 20th, 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4