Aurora, CO · Charter 14369
NCUA · 5 branches
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 | -0.27% | -0.33% | 0.15% | 0.03% | -0.08% | -0.14% | 0.21% | -0.05% | -9 bps | |
| Return on Equity | -3.38% | -4.08% | 1.98% | 0.46% | -1.08% | -1.87% | 2.72% | -0.70% | -116 bps | |
| Net Interest Margin | 2.21% | 2.23% | 2.24% | 2.19% | 2.23% | 2.21% | 2.32% | 2.43% | +24 bps | |
| Efficiency Ratio | 102.89% | 104.54% | 82.34% | 90.70% | 95.22% | 97.87% | 89.43% | 96.49% | +579 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.68% | -4.94% | -0.15% | 6.37% | 3.69% | 6.63% | -0.70% | -6.15% | -1,252 bps | |
| Loan Growth (YoY) | -5.98% | -4.63% | -3.83% | 5.31% | 7.07% | 4.71% | 3.36% | -5.20% | -1,051 bps | |
| Share Growth (YoY) | 4.08% | 1.35% | 4.90% | 10.36% | 5.25% | 6.10% | -1.19% | -6.67% | -1,703 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.82% | 1.14% | 0.74% | 1.17% | 1.05% | 0.85% | 0.98% | 0.95% | -22 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 | 8.10% | 8.12% | 7.71% | 7.38% | 7.57% | 7.41% | 7.57% | 7.61% | +23 bps | |
| Net Worth / Assets | 8.10% | 8.12% | 7.71% | 7.38% | 7.57% | 7.41% | 7.57% | 7.61% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.96% | 67.28% | 63.66% | 65.39% | 68.12% | 66.41% | 66.59% | 66.42% | +103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |