Aurora, CO · Charter 10572
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
14
Profitability
31
Liquidity
11
Efficiency
42
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.
Aurora, CO · Charter 10572
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 | 0.56% | 0.64% | 0.49% | -0.30% | -0.20% | 0.01% | -0.34% | 0.22% | +52 bps | |
| Return on Equity | 4.09% | 4.55% | 3.42% | -2.14% | -1.39% | 0.09% | -2.46% | 1.51% | +364 bps | |
| Net Interest Margin | 3.83% | 3.74% | 4.05% | 4.10% | 4.23% | 4.12% | 3.88% | 3.95% | -15 bps | |
| Efficiency Ratio | 82.85% | 82.76% | 85.07% | 83.83% | 82.58% | 80.21% | 84.46% | 80.86% | -297 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.61% | -3.58% | -4.50% | -2.77% | -2.50% | -1.10% | 0.50% | -0.82% | +195 bps | |
| Loan Growth (YoY) | -9.32% | -5.41% | -2.30% | 0.91% | -0.82% | -5.43% | -7.65% | -6.02% | -693 bps | |
| Share Growth (YoY) | -3.27% | -5.52% | -5.94% | -3.31% | -3.11% | -1.21% | 0.12% | -1.84% | +147 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 1.20% | 1.32% | 2.12% | 2.00% | 2.51% | 1.87% | 1.97% | -15 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.78% | 14.06% | 14.38% | 14.14% | 14.20% | 14.09% | 13.98% | 14.40% | +26 bps | |
| Net Worth / Assets | 13.78% | 14.06% | 14.38% | 14.14% | 14.20% | 14.09% | 13.98% | 14.40% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.69% | 92.32% | 93.56% | 93.70% | 93.87% | 88.38% | 86.30% | 89.71% | -399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aurora, CO · Charter 10572 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.22%
Rank 1,374 of 1,683
Net Interest Margin
3.95%
Rank 712 of 1,683
Efficiency Ratio
80.88%
Rank 971 of 1,682
Equity / Assets
14.40%
Rank 611 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.35% | 0.74% | 1.18% | Beats 18% | 1,374 / 1,683 | ||
| Return on Equity | 1.51% | 2.67% | 5.89% | 8.74% | Beats 18% | 1,385 / 1,681 | ||
| Net Interest Margin | 3.95% | 3.31% | 3.82% | 4.32% | Beats 58% | 712 / 1,683 | ||
| Efficiency Ratio | 80.88% | 68.91% | 78.20% | 86.93% | Beats 42% | 971 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.97% | 0.26% | 0.65% | 1.29% | Beats 14% | 1,442 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.40% | 10.44% | 12.89% | 16.53% | Beats 64% | 611 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.40% | 10.44% | 12.89% | 16.53% | Beats 64% | 611 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.71% | 52.61% | 69.38% | 83.50% | 86th pctl | 243 / 1,683 | ||
| Loans / Assets | 72.00% | 44.71% | 59.18% | 70.72% | 78th pctl | 378 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||