| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +0.8% | +0.7% | +0.1 pts |
| Loan growth (YoY) | -9.4% | -2.4% | -7.0 pts |
| ROA | 2.26% | 0.60% | +1.7 pts |
| ROE | 15.8% | 4.1% | +11.7 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $49.0M | $41.7M | $19.5M | $7.0M | $276K | 2.26% | 4.15% | 0.56% | 5,392 |
| Q4 2025 | $46.4M | $39.4M | $19.1M | $6.7M | $731K | 1.58% | 4.43% | 0.76% | 5,451 |
| Q3 2025 | $46.2M | $39.3M | $19.8M | $6.6M | $590K | 1.70% | 4.42% | 1.15% | 5,493 |
| Q2 2025 | $46.8M | $40.1M | $20.4M | $6.4M | $429K | 1.83% | 4.31% | 0.81% | 5,495 |
| Q1 2025 | $47.8M | $41.4M | $21.5M | $6.2M | $214K | 1.79% | 4.20% | 0.81% | 5,543 |
| Q4 2024 | $45.1M | $38.8M | $22.3M | $6.0M | $736K | 1.63% | 4.23% | 0.58% | 5,522 |
| Q3 2024 | $45.6M | $39.6M | $21.9M | $5.8M | $556K | 1.62% | 4.14% | 0.58% | 5,478 |
| Q2 2024 | $46.8M | $40.9M | $21.7M | $5.7M | $381K | 1.63% | 3.90% | 0.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.26% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,503 |
Loan mix (Q1 2026): real estate $61K · commercial $0 · consumer $19.0M · securities $21.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 81.5% | 16th |
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: Cochise, AZ, ranked 13th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cochise, AZ | 2 | $40.1M* | 1.56% | 13th |
Arizona: 97th with 0.02% · Sierra Vista-Douglas metro: 13th, 1.56% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2