PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The District

Aurora, CO · Charter 14369

NCUA · 5 branches

Q2 2026

$148.3MAssets
$91.9MLoans
$138.4MShares
$11.3MNet 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 -0.05%, down 9 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.95% of loans (-22 bps YoY).
  • Capital: net worth / assets of 7.61%, up 23 bps from a year ago.
  • Funding: loans stand at 66.42% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.05%-9 bps YoY

Net Interest Margin (quarter, annualized)

2.43%+24 bps YoY

Efficiency Ratio (quarter, annualized)

96.49%+579 bps YoY

Net Worth / Assets

7.61%+23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%-0.08%-0.14%0.21%-0.05%-9 bps
Return on Equity0.46%-1.08%-1.87%2.72%-0.70%-116 bps
Net Interest Margin2.19%2.23%2.21%2.32%2.43%+24 bps
Efficiency Ratio90.70%95.22%97.87%89.43%96.49%+579 bps
Growth
Asset Growth (YoY)6.37%3.69%6.63%-0.70%-6.15%-1,252 bps
Loan Growth (YoY)5.31%7.07%4.71%3.36%-5.20%-1,051 bps
Share Growth (YoY)10.36%5.25%6.10%-1.19%-6.67%-1,703 bps
Asset Quality
Delinquent Loans / Loans1.17%1.05%0.85%0.98%0.95%-22 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 Capital7.38%7.57%7.41%7.57%7.61%+23 bps
Net Worth / Assets7.38%7.57%7.41%7.57%7.61%+23 bps
Liquidity & Funding
Loans / Shares65.39%68.12%66.41%66.59%66.42%+103 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps