| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.5% | +0.9% | -0.4 pts |
| Loan growth (YoY) | -8.4% | -2.6% | -5.8 pts |
| ROA | 0.84% | 0.65% | +0.2 pts |
| ROE | 5.3% | 4.4% | +1.0 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.0M | $30.2M | $16.6M | $5.6M | $151K | 0.84% | 3.05% | 0.00% | 1,584 |
| Q1 2026 | $36.4M | $30.7M | $16.9M | $5.6M | $80K | 0.89% | 2.97% | 0.08% | 1,590 |
| Q4 2025 | $35.4M | $29.7M | $17.2M | $5.5M | $317K | 0.90% | 3.23% | 0.00% | 1,612 |
| Q3 2025 | $35.6M | $30.0M | $17.6M | $5.4M | $270K | 1.01% | 3.21% | 0.00% | 1,625 |
| Q2 2025 | $35.6M | $30.1M | $18.1M | $5.4M | $214K | 1.20% | 3.23% | 0.00% | 1,621 |
| Q1 2025 | $36.0M | $30.6M | $17.6M | $5.3M | $95K | 1.06% | 3.15% | 0.00% | 1,624 |
| Q4 2024 | $34.4M | $29.1M | $18.1M | $5.2M | $348K | 1.01% | 3.17% | 0.00% | 1,624 |
| Q3 2024 | $34.0M | $28.8M | $18.1M | $5.1M | $252K | 0.99% | 3.16% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.65% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,635 |
| Q2 2024 | $34.3M | $29.2M | $17.5M | $5.0M | $146K | 0.85% | 3.05% | 0.05% | 1,656 |
Loan mix (Q2 2026): real estate $13.7M · commercial $626K · consumer $1.9M · securities $14.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: El Paso, CO, ranked 47th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| El Paso, CO | 1 | $30.2M* | 0.17% | 47th |
Colorado: 173rd with 0.01% · Colorado Springs metro: 48th, 0.16% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1