Craig, CO · Charter 11340
NCUA · 1 branch
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
46
Asset Quality
46
Profitability
67
Liquidity
23
Efficiency
100
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.
Craig, CO · Charter 11340
NCUA · 1 branch
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 | -1.16% | 0.32% | 2.41% | 2.46% | 1.77% | 0.23% | 0.93% | 1.88% | -58 bps | |
| Return on Equity | -10.61% | 2.71% | 19.62% | 18.22% | 13.65% | 1.97% | 7.51% | 15.07% | -315 bps | |
| Net Interest Margin | 2.75% | 3.54% | 2.79% | 3.13% | 2.66% | 1.07% | 1.47% | 2.65% | -48 bps | |
| Efficiency Ratio | 138.72% | 34.60% | 20.80% | 28.21% | 39.83% | 82.55% | 43.23% | 33.86% | +565 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | 0.26% | -1.00% | -6.83% | 3.73% | 1.75% | -1.14% | 8.68% | +1,551 bps | |
| Loan Growth (YoY) | -1.74% | -16.20% | -25.85% | -20.32% | -16.83% | -15.44% | -16.39% | -11.94% | +838 bps | |
| Share Growth (YoY) | 5.23% | -0.07% | -1.66% | -8.34% | 1.30% | 1.71% | -1.34% | 9.99% | +1,833 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.75% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.61% | +61 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 | 2.60% | 2.96% | 3.17% | 3.04% | 3.14% | 4.55% | 4.92% | 4.46% | +143 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.90% | 11.83% | 12.26% | 13.52% | 12.99% | 11.86% | 12.45% | 12.48% | -104 bps | |
| Net Worth / Assets | 10.90% | 11.83% | 12.26% | 13.52% | 12.99% | 11.86% | 12.45% | 12.48% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.60% | 55.18% | 51.18% | 57.21% | 52.22% | 45.88% | 43.37% | 45.80% | -1,141 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Craig, CO · Charter 11340 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.96%
Rank 84 of 1,683
Net Interest Margin
2.74%
Rank 1,559 of 1,683
Efficiency Ratio
33.33%
Rank 9 of 1,682
Equity / Assets
12.52%
Rank 907 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.96% | 0.35% | 0.74% | 1.18% | Beats 95% | 84 / 1,683 | ||
| Return on Equity | 15.63% | 2.67% | 5.89% | 8.74% | Beats 98% | 40 / 1,681 | ||
| Net Interest Margin | 2.74% | 3.31% | 3.82% | 4.32% | Beats 7% | 1,559 / 1,683 | ||
| Efficiency Ratio | 33.33% | 68.91% | 78.20% | 86.93% | Beats 100% | 9 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.73% | 0.26% | 0.65% | 1.29% | Beats 46% | 905 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.52% | 10.44% | 12.89% | 16.53% | Beats 46% | 907 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.52% | 10.44% | 12.89% | 16.53% | Beats 46% | 907 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.86% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,393 / 1,683 | ||
| Loans / Assets | 40.12% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,363 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||