Colorado Spring, CO · Charter 13300
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
72
Asset Quality
100
Profitability
39
Liquidity
53
Efficiency
68
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.
Colorado Spring, CO · Charter 13300
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.01% | 0.90% | 0.89% | 0.84% | -37 bps | |
| Return on Equity | 7.94% | 6.61% | 5.77% | 5.77% | 5.34% | -260 bps | |
| Net Interest Margin | 3.23% | 3.21% | 3.23% | 2.97% | 3.05% | -18 bps | |
| Efficiency Ratio | 65.18% | 70.90% | 74.20% | 71.14% | 72.27% | +709 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.72% | 4.65% | 2.79% | 1.08% | 1.13% | -259 bps | |
| Loan Growth (YoY) | 3.52% | -2.79% | -4.83% | -4.22% | -8.38% | -1,190 bps | |
| Share Growth (YoY) | 3.10% | 4.16% | 1.92% | 0.13% | 0.53% | -256 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.08% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.16% | 15.30% | 15.53% | 15.33% | 15.70% | +54 bps | |
| Net Worth / Assets | 15.16% | 15.30% | 15.53% | 15.33% | 15.70% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.33% | 58.46% | 57.98% | 55.03% | 54.98% | -535 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Colorado Spring, CO · Charter 13300 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.84%
Rank 746 of 1,683
Net Interest Margin
3.05%
Rank 1,424 of 1,683
Efficiency Ratio
72.23%
Rank 547 of 1,682
Equity / Assets
15.70%
Rank 477 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.35% | 0.74% | 1.18% | Beats 56% | 746 / 1,683 | |
| Return on Equity | 5.35% | 2.67% | 5.89% | 8.74% | Beats 45% | 917 / 1,681 | |
| Net Interest Margin | 3.05% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,424 / 1,683 | |
| Efficiency Ratio | 72.23% | 68.91% | 78.20% | 86.93% | Beats 68% | 547 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.70% | 10.44% | 12.89% | 16.53% | Beats 72% | 477 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.70% | 10.44% | 12.89% | 16.53% | Beats 72% | 477 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.98% | 52.61% | 69.38% | 83.50% | 28th pctl | 1,211 / 1,683 | |
| Loans / Assets | 46.21% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,221 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||