| Metric | Westerra Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +5.1% | -9.8 pts |
| Share growth (YoY) | +0.6% | +4.9% | -4.3 pts |
| Loan growth (YoY) | -4.3% | +5.4% | -9.7 pts |
| ROA | 0.42% | 0.71% | -0.3 pts |
| ROE | 4.1% | 6.3% | -2.2 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.05B | $1.70B | $1.42B | $209.5M | $2.1M | 0.42% | 3.22% | 1.71% | 96,647 |
| Q4 2025 | $2.07B | $1.71B | $1.45B | $207.4M | $2.1M | 0.10% | 3.23% | 1.68% | 113,534 |
| Q3 2025 | $2.10B | $1.68B | $1.43B | $212.0M | $5.4M | 0.34% | 3.18% | 0.54% | 115,824 |
| Q2 2025 | $2.13B | $1.68B | $1.46B | $212.6M | $6.0M | 0.57% | 3.16% | 0.46% | 114,145 |
| Q1 2025 | $2.15B | $1.69B | $1.48B | $208.8M | $2.2M | 0.40% | 3.14% | 0.35% | 112,607 |
| Q4 2024 | $2.13B | $1.67B | $1.47B | $206.6M | $5.5M | 0.26% | 2.93% | 0.42% | 111,866 |
| Q3 2024 | $2.12B | $1.69B | $1.43B | $206.4M | $4.0M | 0.25% | 2.91% | 0.44% | 113,576 |
| Q2 2024 | $2.12B | $1.70B | $1.39B | $205.7M | $3.3M | 0.31% | 2.88% |
| Ratio | Westerra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.71% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 6.3% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 112,177 |
Loan mix (Q1 2026): real estate $666.3M · commercial $507.1M · consumer $210.9M · securities $468.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 73.0% | 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 | Westerra Credit Union | 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 | Westerra Credit Union | 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 | Westerra Credit Union | 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 | Westerra Credit Union | 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 | Westerra Credit Union | 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.
9 branches in 0 counties across 1 state (+0 vs 2024).
| County | Branches | Deposits | Share | Rank |
|---|
Colorado: 26th with 0.84% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 8 · 2023 9 · 2024 9 · 2025 9