Westminster, CO · Charter 13842
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 | 0.60% | 0.43% | -0.22% | 0.31% | 0.24% | 0.28% | 0.31% | 0.66% | +35 bps | |
| Return on Equity | 6.25% | 4.54% | -2.39% | 3.23% | 2.47% | 2.82% | 3.23% | 6.76% | +353 bps | |
| Net Interest Margin | 2.97% | 2.92% | 2.59% | 2.88% | 3.03% | 3.18% | 3.11% | 3.13% | +25 bps | |
| Efficiency Ratio | 80.59% | 85.46% | 99.63% | 83.03% | 87.49% | 86.85% | 89.08% | 80.54% | -249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | 8.50% | 10.79% | 6.12% | -0.95% | -2.71% | -2.19% | 2.97% | -315 bps | |
| Loan Growth (YoY) | -5.15% | -4.67% | 4.57% | 3.98% | 3.98% | 0.09% | -9.48% | -6.84% | -1,082 bps | |
| Share Growth (YoY) | 2.20% | 9.16% | 12.30% | 7.14% | -1.63% | -4.58% | -3.08% | 2.42% | -472 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.49% | 0.24% | 1.74% | 2.40% | 0.21% | 0.18% | 1.11% | -63 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 | 9.59% | 9.53% | 9.11% | 9.58% | 9.83% | 10.06% | 9.70% | 9.73% | +15 bps | |
| Net Worth / Assets | 9.59% | 9.53% | 9.11% | 9.58% | 9.83% | 10.06% | 9.70% | 9.73% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.50% | 57.60% | 58.18% | 59.31% | 60.77% | 60.42% | 54.34% | 53.95% | -536 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |