Grand Junction, CO · Charter 11718
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 | 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 | |