| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.6% | +0.9% | +0.7 pts |
| Loan growth (YoY) | -1.9% | -2.6% | +0.8 pts |
| ROA | -0.15% | 0.65% | -0.8 pts |
| ROE | -0.7% | 4.4% | -5.1 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.1M | $4.8M | $4.4M | $1.4M | $-4K | -0.15% | 6.46% | 2.42% | 1,004 |
| Q1 2026 | $6.4M | $5.0M | $4.6M | $1.3M | $-22K | -1.40% | 6.23% | 2.76% | 1,009 |
| Q4 2025 | $6.0M | $4.7M | $4.6M | $1.4M | $71K | 1.18% | 6.42% | 4.53% | 1,008 |
| Q3 2025 | $6.0M | $4.6M | $4.5M | $1.3M | $50K | 1.12% | 6.30% | 5.00% | 1,016 |
| Q2 2025 | $6.0M | $4.7M | $4.5M | $1.3M | $35K | 1.16% | 6.40% | 2.63% | 1,023 |
| Q1 2025 | $6.0M | $4.7M | $4.4M | $1.3M | $9K | 0.61% | 6.10% | 3.45% | 1,031 |
| Q4 2024 | $6.7M | $5.4M | $4.6M | $1.3M | $62K | 0.93% | 6.00% | 5.03% | 1,023 |
| Q3 2024 | $5.4M | $4.2M | $4.5M | $1.3M | $34K | 0.84% | 7.28% | 5.05% | 1,023 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.15% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -0.7% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.6M | $4.3M | $4.3M | $1.3M | $30K | 1.08% | 7.11% | 4.51% | 1,022 |
Loan mix (Q2 2026): real estate $1.2M · commercial $0 · consumer $3.2M · securities $532K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 80.6% | 57th |
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 2 counties across 2 states (+2 vs 2025). Biggest market: Alamosa, CO, ranked 9th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Alamosa, CO | 2 | $3.2M* | 0.30% | 9th |
| Spokane, WA | 1 | $1.6M* | 0.01% | 43rd |
Colorado: 191st with 0.00% · Washington: 163rd with 0.00% · Spokane-Spokane Valley metro: 44th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3