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 | |