PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fort Morgan Schools

Fort Morgan, CO · Charter 10180

NCUA · 2 branches

Q2 2026

$5.6MAssets
$3.4MLoans
$4.8MShares
$811KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.17%, down 22 bps year over year; NIM at 1.75%.
  • Asset quality: problem loans at 0.00% of loans (-19 bps YoY).
  • Capital: net worth / assets of 14.47%, down 135 bps from a year ago.
  • Funding: loans stand at 70.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.17%-22 bps YoY

Net Interest Margin (YTD, annualized)

1.75%-10 bps YoY

Efficiency Ratio (YTD, annualized)

109.48%+1,251 bps YoY

Net Worth / Assets

14.47%-135 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%-0.33%-0.25%-1.32%-0.17%-22 bps
Return on Equity0.34%-2.10%-1.60%-8.78%-1.18%-151 bps
Net Interest Margin1.85%1.93%2.02%3.03%1.75%-10 bps
Efficiency Ratio96.98%116.55%103.88%82.41%109.48%+1,251 bps
Growth
Asset Growth (YoY)4.33%1.28%-1.25%-1.99%7.04%+272 bps
Loan Growth (YoY)-3.96%-6.38%-7.47%-10.73%-12.71%-875 bps
Share Growth (YoY)4.89%1.94%-1.19%-2.22%8.78%+389 bps
Asset Quality
Delinquent Loans / Loans0.19%0.00%0.00%0.00%0.00%-19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.44%0.68%0.70%0.00%0.00%-44 bps
Capital
Risk-Based Capital15.82%15.61%15.49%15.06%14.47%-135 bps
Net Worth / Assets15.82%15.61%15.49%15.06%14.47%-135 bps
Liquidity & Funding
Loans / Shares87.41%83.83%80.70%76.34%70.15%-1,726 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps