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 | |