Craig, CO · Charter 11340
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |