Community Choice
Commerce City, CO · Charter 66012 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=24)
NCUA · 2 branches
Q4 2025
$96.9MAssets
$42.1MLoans
$78.0MShares
$14.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 83% of credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (rank 4 of 24).
- Widest gap: efficiency ratio trails 79% of credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (rank 20 of 24).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.20%
Rank 13 of 24
Net Interest Margin
3.59%
Rank 10 of 24
Efficiency Ratio
95.04%
Rank 20 of 24
Equity / Assets
14.75%
Rank 4 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.20% | 0.06% | 0.27% | 0.71% | Beats 46% | 13 / 24 | |
| Return on Equity | 1.36% | 0.78% | 2.83% | 4.98% | Beats 42% | 14 / 24 | |
| Net Interest Margin | 3.59% | 3.28% | 3.46% | 3.94% | Beats 58% | 10 / 24 | |
| Efficiency Ratio | 95.04% | 77.98% | 85.16% | 92.14% | Beats 21% | 20 / 24 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.24% | 0.42% | 0.85% | 1.24% | Beats 29% | 18 / 24 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.75% | 8.96% | 10.66% | 13.10% | Beats 83% | 4 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.75% | 8.96% | 10.66% | 13.10% | Beats 83% | 4 / 24 | |
| Liquidity & Funding |
| Loans / Deposits | 53.95% | 64.54% | 75.37% | 86.51% | 4th pctl | 23 / 24 | |
| Loans / Assets | 43.43% | 55.14% | 65.15% | 73.44% | 4th pctl | 23 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |