Rio Grande
Grand Junction, CO · Charter 3963 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$80.8MAssets
$27.9MLoans
$62.8MShares
$17.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of credit unions under $1B in assets (rank 84 of 1682).
- Widest gap: net interest margin trails 77% of credit unions under $1B in assets (rank 1298 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.71%
Rank 166 of 1,683
Net Interest Margin
3.27%
Rank 1,298 of 1,683
Efficiency Ratio
52.65%
Rank 84 of 1,682
Equity / Assets
21.99%
Rank 161 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 0.35% | 0.74% | 1.18% | Beats 90% | 166 / 1,683 | |
| Return on Equity | 7.76% | 2.67% | 5.89% | 8.74% | Beats 68% | 544 / 1,681 | |
| Net Interest Margin | 3.27% | 3.31% | 3.82% | 4.32% | Beats 23% | 1,298 / 1,683 | |
| Efficiency Ratio | 52.65% | 68.91% | 78.20% | 86.93% | Beats 95% | 84 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 90% | 164 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.99% | 10.44% | 12.89% | 16.53% | Beats 90% | 161 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.99% | 10.44% | 12.89% | 16.53% | Beats 90% | 161 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 44.37% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,417 / 1,683 | |
| Loans / Assets | 34.51% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,476 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |