| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +2.4% | +0.9% | +1.5 pts |
| Loan growth (YoY) | -6.8% | -2.6% | -4.2 pts |
| ROA | 0.66% | 0.65% | +0.0 pts |
| ROE | 6.8% | 4.4% | +2.4 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.6M | $49.0M | $26.5M | $5.3M | $179K | 0.66% | 3.13% | 1.11% | 2,979 |
| Q1 2026 | $53.4M | $48.0M | $26.1M | $5.2M | $42K | 0.31% | 3.11% | 0.18% | 3,027 |
| Q4 2025 | $51.0M | $45.1M | $27.3M | $5.1M | $145K | 0.28% | 3.18% | 0.21% | 3,086 |
| Q3 2025 | $51.8M | $46.5M | $28.2M | $5.1M | $94K | 0.24% | 3.03% | 2.40% | 3,151 |
| Q2 2025 | $53.0M | $47.9M | $28.4M | $5.1M | $82K | 0.31% | 2.88% | 1.74% | 3,191 |
| Q1 2025 | $54.6M | $49.5M | $28.8M | $5.0M | $-30K | -0.22% | 2.59% | 0.24% | 3,236 |
| Q4 2024 | $52.4M | $47.3M | $27.3M | $5.0M | $227K | 0.43% | 2.92% | 0.49% | 3,269 |
| Q3 2024 | $52.3M | $47.2M | $27.2M | $5.0M | $235K | 0.60% | 2.97% | 0.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,335 |
| Q2 2024 | $50.0M | $44.7M | $27.3M | $5.0M | $204K | 0.82% | 3.14% | 0.80% | 3,338 |
Loan mix (Q2 2026): real estate $19.0M · commercial $0 · consumer $7.4M · securities $15.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 80.6% | 50th |
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: Jefferson, CO, ranked 35th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, CO | 1 | $49.0M* | 0.22% | 35th |
Colorado: 163rd with 0.02% · Denver-Aurora-Centennial metro: 89th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 1