Grand Junction, CO · Charter 11718
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
86
Asset Quality
47
Profitability
32
Liquidity
75
Efficiency
52
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.
Grand Junction, CO · Charter 11718
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 | 0.65% | 0.90% | 1.46% | 1.22% | 1.30% | 1.16% | 0.66% | 0.74% | -48 bps | |
| Return on Equity | 3.37% | 4.52% | 7.51% | 6.10% | 6.42% | 5.83% | 3.36% | 3.73% | -236 bps | |
| Net Interest Margin | 3.36% | 3.42% | 3.40% | 3.39% | 3.34% | 3.22% | 2.90% | 2.95% | -44 bps | |
| Efficiency Ratio | 84.52% | 79.00% | 65.54% | 65.41% | 61.25% | 64.99% | 78.87% | 77.61% | +1,220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.99% | 17.69% | 18.98% | -1.36% | 2.56% | 6.11% | 4.57% | 6.39% | +776 bps | |
| Loan Growth (YoY) | 0.71% | 2.51% | 0.28% | -7.26% | -4.23% | -3.31% | -0.81% | 7.81% | +1,507 bps | |
| Share Growth (YoY) | 20.26% | 17.64% | 19.01% | -3.38% | 1.31% | 5.85% | 4.21% | 6.61% | +999 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 1.60% | 0.61% | 0.33% | 1.50% | 0.85% | 0.81% | 0.72% | +40 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 | 19.38% | 19.83% | 19.48% | 20.01% | 20.19% | 19.86% | 19.66% | 19.73% | -28 bps | |
| Net Worth / Assets | 19.38% | 19.83% | 19.48% | 20.01% | 20.19% | 19.86% | 19.66% | 19.73% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.82% | 64.74% | 61.38% | 61.03% | 61.27% | 59.14% | 58.42% | 61.72% | +69 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Grand Junction, CO · Charter 11718 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.74%
Rank 842 of 1,683
Net Interest Margin
2.95%
Rank 1,479 of 1,683
Efficiency Ratio
77.67%
Rank 816 of 1,682
Equity / Assets
19.73%
Rank 238 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.35% | 0.74% | 1.18% | Beats 50% | 842 / 1,683 | ||
| Return on Equity | 3.73% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,128 / 1,681 | ||
| Net Interest Margin | 2.95% | 3.31% | 3.82% | 4.32% | Beats 12% | 1,479 / 1,683 | ||
| Efficiency Ratio | 77.67% | 68.91% | 78.20% | 86.93% | Beats 52% | 816 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.72% | 0.26% | 0.65% | 1.29% | Beats 47% | 893 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.73% | 10.44% | 12.89% | 16.53% | Beats 86% | 238 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.73% | 10.44% | 12.89% | 16.53% | Beats 86% | 238 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.72% | 52.61% | 69.38% | 83.50% | 37th pctl | 1,057 / 1,683 | ||
| Loans / Assets | 50.98% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,088 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||