Pueblo, CO · Charter 1499
NCUA · 2 branches
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
48
Asset Quality
91
Profitability
47
Liquidity
0
Efficiency
28
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.
Pueblo, CO · Charter 1499
NCUA · 2 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 | 1.01% | 1.03% | 1.21% | 1.30% | 1.31% | 1.30% | 1.50% | 0.66% | -64 bps | |
| Return on Equity | 8.81% | 8.88% | 10.49% | 10.82% | 10.48% | 10.37% | 11.82% | 5.18% | -565 bps | |
| Net Interest Margin | 3.19% | 3.25% | 3.53% | 3.73% | 3.84% | 3.80% | 3.75% | 3.90% | +17 bps | |
| Efficiency Ratio | 74.83% | 74.28% | 70.30% | 69.57% | 67.50% | 68.25% | 66.79% | 85.76% | +1,618 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.98% | -2.47% | 2.73% | 1.44% | 2.41% | 3.13% | 1.37% | 2.17% | +73 bps | |
| Loan Growth (YoY) | -3.89% | -7.76% | -12.12% | -13.77% | -14.48% | -16.18% | -16.20% | -16.35% | -258 bps | |
| Share Growth (YoY) | -8.19% | -3.26% | 2.12% | 0.26% | 2.22% | 1.36% | 0.06% | 0.84% | +58 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.01% | 0.02% | 0.43% | 0.20% | 0.07% | 0.06% | 0.02% | -41 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 | 11.49% | 11.61% | 11.49% | 11.97% | 12.48% | 12.57% | 12.69% | 12.69% | +72 bps | |
| Net Worth / Assets | 11.49% | 11.61% | 11.49% | 11.97% | 12.48% | 12.57% | 12.69% | 12.69% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.74% | 27.94% | 25.82% | 25.09% | 24.88% | 23.10% | 21.62% | 20.81% | -428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pueblo, CO · Charter 1499 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.66%
Rank 940 of 1,683
Net Interest Margin
3.90%
Rank 766 of 1,683
Efficiency Ratio
85.76%
Rank 1,212 of 1,682
Equity / Assets
12.69%
Rank 877 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.35% | 0.74% | 1.18% | Beats 44% | 940 / 1,683 | ||
| Return on Equity | 5.18% | 2.67% | 5.89% | 8.74% | Beats 44% | 944 / 1,681 | ||
| Net Interest Margin | 3.90% | 3.31% | 3.82% | 4.32% | Beats 54% | 766 / 1,683 | ||
| Efficiency Ratio | 85.76% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,212 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 91% | 154 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.69% | 10.44% | 12.89% | 16.53% | Beats 48% | 877 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.69% | 10.44% | 12.89% | 16.53% | Beats 48% | 877 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 20.81% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,647 / 1,683 | ||
| Loans / Assets | 17.98% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,645 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||