| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -2.1% | +0.9% | -3.1 pts |
| Loan growth (YoY) | -14.9% | -2.6% | -12.3 pts |
| ROA | -0.41% | 0.65% | -1.1 pts |
| ROE | -2.7% | 4.4% | -7.1 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.1M | $6.0M | $3.6M | $1.1M | $-15K | -0.41% | 4.23% | 1.90% | 670 |
| Q1 2026 | $7.4M | $6.3M | $3.7M | $1.1M | $-7K | -0.35% | 4.23% | 1.59% | 671 |
| Q4 2025 | $7.3M | $6.2M | $4.0M | $1.1M | $-40K | -0.55% | 3.97% | 1.39% | 676 |
| Q3 2025 | $7.1M | $6.0M | $4.1M | $1.1M | $-36K | -0.68% | 4.06% | 1.75% | 680 |
| Q2 2025 | $7.3M | $6.1M | $4.3M | $1.1M | $-21K | -0.58% | 3.99% | 1.76% | 681 |
| Q1 2025 | $7.2M | $6.1M | $4.5M | $1.1M | $-15K | -0.84% | 3.83% | 1.37% | 691 |
| Q4 2024 | $7.2M | $6.0M | $4.5M | $1.1M | $-15K | -0.21% | 3.92% | 1.71% | 701 |
| Q3 2024 | $7.3M | $6.2M | $4.7M | $1.1M | $-13K | -0.23% | 3.84% | 1.44% | 711 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.41% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.2M | $6.0M | $4.9M | $1.1M | $-11K | -0.31% | 3.81% | 1.35% | 711 |
Loan mix (Q2 2026): real estate $1.2M · commercial $57K · consumer $2.1M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.2% | 80.6% | 90th |
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: Chaves, NM, ranked 13th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chaves, NM | 1 | $6.0M* | 0.38% | 13th |
New Mexico: 97th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1