Fort Morgan, CO · Charter 10180
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
100
Profitability
6
Liquidity
97
Efficiency
4
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fort Morgan, CO · Charter 10180
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.20% | -0.98% | 0.05% | -0.33% | -0.25% | -1.32% | -0.17% | -22 bps | |
| Return on Equity | 2.25% | 1.30% | -6.60% | 0.34% | -2.10% | -1.60% | -8.78% | -1.18% | -151 bps | |
| Net Interest Margin | 2.32% | 2.21% | 1.66% | 1.85% | 1.93% | 2.02% | 3.03% | 1.75% | -10 bps | |
| Efficiency Ratio | 85.17% | 88.55% | 175.52% | 96.98% | 116.55% | 103.88% | 82.41% | 109.48% | +1,251 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.79% | 18.67% | 20.00% | 4.33% | 1.28% | -1.25% | -1.99% | 7.04% | +272 bps | |
| Loan Growth (YoY) | 3.23% | 1.56% | 3.23% | -3.96% | -6.38% | -7.47% | -10.73% | -12.71% | -875 bps | |
| Share Growth (YoY) | 16.64% | 22.53% | 25.14% | 4.89% | 1.94% | -1.19% | -2.22% | 8.78% | +389 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 0.42% | 0.20% | 0.19% | 0.00% | 0.00% | 0.00% | 0.00% | -19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.65% | 0.64% | 0.44% | 0.68% | 0.70% | 0.00% | 0.00% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.12% | 15.53% | 14.88% | 15.82% | 15.61% | 15.49% | 15.06% | 14.47% | -135 bps | |
| Net Worth / Assets | 16.12% | 15.53% | 14.88% | 15.82% | 15.61% | 15.49% | 15.06% | 14.47% | -135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.28% | 86.18% | 83.62% | 87.41% | 83.83% | 80.70% | 76.34% | 70.15% | -1,726 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Morgan, CO · Charter 10180 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.18%
Rank 1,531 of 1,683
Net Interest Margin
1.75%
Rank 1,668 of 1,683
Efficiency Ratio
110.00%
Rank 1,611 of 1,682
Equity / Assets
14.48%
Rank 603 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.18% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,531 / 1,683 | ||
| Return on Equity | -1.23% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,528 / 1,681 | ||
| Net Interest Margin | 1.75% | 3.31% | 3.82% | 4.32% | Beats 1% | 1,668 / 1,683 | ||
| Efficiency Ratio | 110.00% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,611 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.48% | 10.44% | 12.89% | 16.53% | Beats 64% | 603 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.48% | 10.44% | 12.89% | 16.53% | Beats 64% | 603 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.15% | 52.61% | 69.38% | 83.50% | 51st pctl | 823 / 1,683 | ||
| Loans / Assets | 59.91% | 44.71% | 59.18% | 70.72% | 52nd pctl | 814 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||