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Pueblo Government Agencies

Pueblo, CO · Charter 1499

NCUA · 2 branches

Q2 2026

$43.8MAssets
$7.9MLoans
$37.9MShares
$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 0.66%, down 64 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.02% of loans (-41 bps YoY).
  • Capital: net worth / assets of 12.69%, up 72 bps from a year ago.
  • Funding: loans stand at 20.81% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.66%-64 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+17 bps YoY

Efficiency Ratio (YTD, annualized)

85.76%+1,618 bps YoY

Net Worth / Assets

12.69%+72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.31%1.30%1.50%0.66%-64 bps
Return on Equity10.82%10.48%10.37%11.82%5.18%-565 bps
Net Interest Margin3.73%3.84%3.80%3.75%3.90%+17 bps
Efficiency Ratio69.57%67.50%68.25%66.79%85.76%+1,618 bps
Growth
Asset Growth (YoY)1.44%2.41%3.13%1.37%2.17%+73 bps
Loan Growth (YoY)-13.77%-14.48%-16.18%-16.20%-16.35%-258 bps
Share Growth (YoY)0.26%2.22%1.36%0.06%0.84%+58 bps
Asset Quality
Delinquent Loans / Loans0.43%0.20%0.07%0.06%0.02%-41 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 Capital11.97%12.48%12.57%12.69%12.69%+72 bps
Net Worth / Assets11.97%12.48%12.57%12.69%12.69%+72 bps
Liquidity & Funding
Loans / Shares25.09%24.88%23.10%21.62%20.81%-428 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps