| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.6 pts |
| Loan growth (YoY) | -12.9% | -2.4% | -10.6 pts |
| ROA | 1.49% | 0.60% | +0.9 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.8M | $8.4M | $5.8M | $2.4M | $40K | 1.49% | 5.29% | 0.40% | 1,594 |
| Q4 2025 | $11.0M | $8.6M | $6.0M | $2.4M | $103K | 0.93% | 5.29% | 0.42% | 1,597 |
| Q3 2025 | $10.9M | $8.5M | $6.1M | $2.4M | $97K | 1.19% | 5.35% | 0.02% | 1,607 |
| Q2 2025 | $10.9M | $8.6M | $6.3M | $2.3M | $56K | 1.02% | 5.33% | 0.26% | 1,612 |
| Q1 2025 | $10.9M | $8.6M | $6.7M | $2.3M | $33K | 1.19% | 5.30% | 0.88% | 1,615 |
| Q4 2024 | $10.8M | $8.6M | $7.1M | $2.2M | $127K | 1.17% | 5.31% | 0.07% | 1,608 |
| Q3 2024 | $11.0M | $8.8M | $6.9M | $2.2M | $157K | 1.91% | 5.03% | 0.03% | 1,595 |
| Q2 2024 | $10.8M | $8.6M | $6.5M | $2.2M | $74K | 1.37% | 4.82% | 1.26% | 1,584 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $542K · commercial $0 · consumer $5.2M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 81.5% | 31st |
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 2024). Biggest market: Arapahoe, CO, ranked 53rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Arapahoe, CO | 1 | $8.6M* | 0.04% | 53rd |
Colorado: 179th with 0.00% · Denver-Aurora-Centennial metro: 97th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1