PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

School District 3

Colorado Spring, CO · Charter 13300

NCUA · 1 branch

Q2 2026

$36.0MAssets
$16.6MLoans
$30.2MShares
$5.6MNet 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 0.84%, down 37 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.70%, up 54 bps from a year ago.
  • Funding: loans stand at 54.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-18 bps YoY

Efficiency Ratio (YTD, annualized)

72.27%+709 bps YoY

Net Worth / Assets

15.70%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.01%0.90%0.89%0.84%-37 bps
Return on Equity7.94%6.61%5.77%5.77%5.34%-260 bps
Net Interest Margin3.23%3.21%3.23%2.97%3.05%-18 bps
Efficiency Ratio65.18%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 / Loans0.00%0.00%0.00%0.08%0.00%0 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 Capital15.16%15.30%15.53%15.33%15.70%+54 bps
Net Worth / Assets15.16%15.30%15.53%15.33%15.70%+54 bps
Liquidity & Funding
Loans / Shares60.33%58.46%57.98%55.03%54.98%-535 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps