| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.5% | +0.9% | -1.4 pts |
| Loan growth (YoY) | +1.7% | -2.6% | +4.3 pts |
| ROA | 0.91% | 0.65% | +0.3 pts |
| ROE | 7.1% | 4.4% | +2.7 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.0M | $45.2M | $23.6M | $6.9M | $242K | 0.91% | 3.30% | 0.00% | 2,365 |
| 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.65% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,381 |
| Q2 2024 | $53.2M | $47.1M | $21.7M | $5.7M | $194K | 0.73% | 2.68% | 0.00% | 2,391 |
Loan mix (Q2 2026): real estate $12.5M · commercial $734K · consumer $8.0M · securities $28.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 80.6% | 29th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Yuma, CO, ranked 4th with 6.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Yuma, CO | 2 | $45.2M* | 6.89% | 4th |
Colorado: 165th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2