Delta County
Delta, CO · Charter 24381 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$72.8MAssets
$21.8MLoans
$65.2MShares
$7.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 81% of credit unions under $1B in assets (rank 316 of 1681).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1547 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.99%
Rank 607 of 1,683
Net Interest Margin
2.78%
Rank 1,547 of 1,683
Efficiency Ratio
71.03%
Rank 499 of 1,682
Equity / Assets
10.17%
Rank 1,310 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.35% | 0.74% | 1.18% | Beats 64% | 607 / 1,683 | | |
| Return on Equity | 9.70% | 2.67% | 5.89% | 8.74% | Beats 81% | 316 / 1,681 | | |
| Net Interest Margin | 2.78% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,547 / 1,683 | | |
| Efficiency Ratio | 71.03% | 68.91% | 78.20% | 86.93% | Beats 70% | 499 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.26% | 0.65% | 1.29% | Beats 47% | 902 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.17% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,310 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.17% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,310 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 33.49% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,569 / 1,683 | | |
| Loans / Assets | 30.00% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,551 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |