| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +1.3% | +7.4 pts |
| Share growth (YoY) | +10.0% | +0.9% | +9.1 pts |
| Loan growth (YoY) | -11.9% | -2.6% | -9.3 pts |
| ROA | 1.88% | 0.65% | +1.2 pts |
| ROE | 15.1% | 4.4% | +10.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.0M | $894K | $410K | $128K | $10K | 1.88% | 2.65% | 0.61% | 182 |
| Q1 2026 | $980K | $858K | $372K | $122K | $2K | 0.93% | 1.47% | 0.00% | 183 |
| Q4 2025 | $994K | $876K | $402K | $118K | $2K | 0.23% | 1.07% | 0.00% | 187 |
| Q3 2025 | $991K | $862K | $450K | $129K | $13K | 1.77% | 2.66% | 0.00% | 185 |
| Q2 2025 | $940K | $813K | $465K | $127K | $12K | 2.46% | 3.13% | 0.00% | 183 |
| Q1 2025 | $991K | $869K | $445K | $122K | $6K | 2.41% | 2.79% | 0.00% | 188 |
| Q4 2024 | $977K | $861K | $475K | $116K | $3K | 0.32% | 3.54% | 0.75% | 189 |
| Q3 2024 | $955K | $851K | $541K | $104K | $-8K | -1.16% | 2.75% | 0.80% | 189 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 0.65% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 4.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.0M |
| $887K |
| $584K |
| $122K |
| $10K |
| 1.92% |
| 2.79% |
| 3.77% |
| 189 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $339K · securities $250K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.9% | 80.6% | 1st |
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: Moffat, CO, ranked 5th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Moffat, CO | 1 | $894K* | 0.21% | 5th |
Colorado: 195th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1