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 | |