| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.9% | -1.0 pts |
| Share growth (YoY) | +2.1% | +3.3% | -1.2 pts |
| Loan growth (YoY) | +0.3% | +2.9% | -2.6 pts |
| ROA | 0.97% | 0.69% | +0.3 pts |
| ROE | 7.5% | 5.9% | +1.6 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $414.6M | $359.1M | $209.2M | $53.4M | $1.0M | 0.97% | 3.73% | 0.09% | 21,840 |
| Q4 2025 | $404.0M | $350.0M | $209.7M | $52.4M | $4.4M | 1.10% | 3.95% | 0.05% | 23,407 |
| Q3 2025 | $402.7M | $349.0M | $209.5M | $51.6M | $3.6M | 1.19% | 3.96% | 0.05% | 24,415 |
| Q2 2025 | $400.1M | $347.6M | $206.9M | $50.4M | $2.5M | 1.23% | 3.97% | 0.08% | 24,277 |
| Q1 2025 | $402.9M | $351.6M | $208.5M | $49.3M | $1.3M | 1.34% | 3.91% | 0.04% | 24,322 |
| Q4 2024 | $392.4M | $342.6M | $208.4M | $48.0M | $4.8M | 1.22% | 3.65% | 0.01% | 24,442 |
| Q3 2024 | $395.1M | $346.2M | $206.4M | $46.8M | $3.6M | 1.20% | 3.57% | 0.02% | 30,788 |
| Q2 2024 | $398.6M | $351.8M | $198.8M | $45.6M | $2.4M | 1.19% | 3.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.69% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.02% |
| 30,886 |
Loan mix (Q1 2026): real estate $67.8M · commercial $0 · consumer $137.3M · securities $137.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 78.7% | 34th |
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.
4 branches in 3 counties across 2 states (+0 vs 2024). Biggest market: Dona Ana, NM, ranked 8th with 3.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dona Ana, NM | 2 | $173.8M* | 3.55% | 8th |
| Sierra, NM | 1 | $86.9M* | 27.47% | 2nd |
| El Paso, TX | 1 | $86.9M* | 0.43% | 20th |
New Mexico: 48th with 0.42% · Texas: 527th with 0.01% · Las Cruces metro: 8th, 3.55% · El Paso metro: 20th, 0.43% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4