| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.1% | +2.0 pts |
| Share growth (YoY) | +5.6% | +3.5% | +2.1 pts |
| Loan growth (YoY) | +5.0% | +2.9% | +2.1 pts |
| ROA | 1.40% | 0.74% | +0.7 pts |
| ROE | 8.2% | 6.5% | +1.7 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $246.9M | $203.0M | $90.6M | $42.1M | $1.7M | 1.40% | 2.97% | 0.00% | 11,042 |
| Q1 2026 | $246.9M | $203.8M | $89.5M | $41.3M | $843K | 1.37% | 2.85% | 0.14% | 10,321 |
| Q4 2025 | $237.9M | $195.4M | $84.3M | $40.2M | $3.0M | 1.24% | 2.56% | 0.18% | 10,272 |
| Q3 2025 | $233.7M | $191.6M | $84.6M | $39.7M | $2.4M | 1.36% | 2.62% | 0.21% | 10,282 |
| Q2 2025 | $232.7M | $192.2M | $86.3M | $38.9M | $1.6M | 1.38% | 2.60% | 0.26% | 10,216 |
| Q1 2025 | $233.9M | $193.2M | $85.5M | $38.1M | $794K | 1.36% | 2.48% | 0.26% | 10,119 |
| Q4 2024 | $228.4M | $189.9M | $82.9M | $37.3M | $2.5M | 1.08% | 2.17% | 0.07% | 10,037 |
| Q3 2024 | $221.5M | $184.2M | $83.6M | $36.9M | $2.0M | 1.22% | 2.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.74% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 6.5% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.04% |
| 10,016 |
| Q2 2024 | $221.3M | $182.8M | $83.7M | $36.1M | $1.3M | 1.18% | 2.28% | 0.06% | 9,962 |
Loan mix (Q2 2026): real estate $32.7M · commercial $26.6M · consumer $27.5M · securities $132.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 77.5% | 8th |
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.
3 branches in 3 counties across 1 state (+1 vs 2025). Biggest market: Phillips, CO, ranked 2nd with 21.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Phillips, CO | 1 | $67.7M* | 21.78% | 2nd |
| Morgan, CO | 1 | $67.7M* | 7.21% | 6th |
| Logan, CO | 1 | $67.7M* | 10.51% | 4th |
Colorado: 98th with 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3