PackageTrendsPeer
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Grand Junction

Grand Junction, CO · Charter 11718

NCUA · 1 branch

Q2 2026

$115.0MAssets
$58.6MLoans
$95.0MShares
$22.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.74%, down 48 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.72% of loans (+40 bps YoY).
  • Capital: net worth / assets of 19.73%, down 28 bps from a year ago.
  • Funding: loans stand at 61.72% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%-48 bps YoY

Net Interest Margin (YTD, annualized)

2.95%-44 bps YoY

Efficiency Ratio (YTD, annualized)

77.61%+1,220 bps YoY

Net Worth / Assets

19.73%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.30%1.16%0.66%0.74%-48 bps
Return on Equity6.10%6.42%5.83%3.36%3.73%-236 bps
Net Interest Margin3.39%3.34%3.22%2.90%2.95%-44 bps
Efficiency Ratio65.41%61.25%64.99%78.87%77.61%+1,220 bps
Growth
Asset Growth (YoY)-1.36%2.56%6.11%4.57%6.39%+776 bps
Loan Growth (YoY)-7.26%-4.23%-3.31%-0.81%7.81%+1,507 bps
Share Growth (YoY)-3.38%1.31%5.85%4.21%6.61%+999 bps
Asset Quality
Delinquent Loans / Loans0.33%1.50%0.85%0.81%0.72%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.01%20.19%19.86%19.66%19.73%-28 bps
Net Worth / Assets20.01%20.19%19.86%19.66%19.73%-28 bps
Liquidity & Funding
Loans / Shares61.03%61.27%59.14%58.42%61.72%+69 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps