Yuma County Federal Credit Union
Total assets
$53.6M
▼ -1.8% YoY
Shares & deposits
$46.7M
▼ -3.4% YoY
Loans
$22.5M
▲ +0.8% YoY
Members
2,364
▼ -1.2% YoY
ROA (annualized)
0.82%
peers 0.60%
ROE (annualized)
6.51%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -3.4% | +0.7% | -4.0 pts |
| Loan growth (YoY) | +0.8% | -2.4% | +3.2 pts |
| ROA | 0.82% | 0.60% | +0.2 pts |
| ROE | 6.5% | 4.1% | +2.4 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- P.O. Box 271, Yuma, CO, 80759
- NCUA charter #
- 6424
- RSSD ID
- 793683
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $53.6M | $46.7M | $22.5M | $6.7M | $109K | 0.82% | 3.24% | 0.00% | 2,364 |
| Q4 2025 | $52.8M | $46.0M | $22.5M | $6.6M | $688K | 1.30% | 3.44% | 0.00% | 2,385 |
| Q3 2025 | $51.3M | $44.1M | $23.1M | $6.4M | $538K | 1.40% | 3.55% | 0.02% | 2,392 |
| Q2 2025 | $52.7M | $45.4M | $23.2M | $6.3M | $378K | 1.44% | 3.55% | 0.00% | 2,397 |
| Q1 2025 | $54.6M | $48.3M | $22.3M | $6.1M | $155K | 1.14% | 3.09% | 0.00% | 2,392 |
| Q4 2024 | $55.1M | $49.0M | $22.1M | $5.9M | $417K | 0.76% | 2.75% | 0.03% | 2,392 |
| Q3 2024 | $55.1M | $49.0M | $21.9M | $5.8M | $338K | 0.82% | 2.70% | 0.00% | 2,381 |
| Q2 2024 | $53.2M | $47.1M | $21.7M | $5.7M | $194K | 0.73% | 2.68% | 0.00% | 2,391 |
Loan mix (Q1 2026): real estate $12.2M · commercial $680K · consumer $7.7M · securities $27.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 81.5% | — | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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