Craig, CO · Charter 15230
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | -0.22% | -0.53% | 0.58% | 0.64% | +95 bps | |
| Return on Equity | -2.80% | -1.97% | -4.69% | 5.12% | 4.89% | +769 bps | |
| Net Interest Margin | 2.45% | 2.47% | 2.64% | 3.63% | 4.03% | +158 bps | |
| Efficiency Ratio | 110.18% | 107.25% | 104.19% | 84.73% | 87.02% | -2,315 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.68% | 11.46% | 2.51% | 0.07% | -14.84% | -3,152 bps | |
| Loan Growth (YoY) | -15.90% | -16.50% | -11.25% | -6.06% | -15.56% | +34 bps | |
| Share Growth (YoY) | 19.17% | 13.29% | 3.53% | 0.41% | -16.70% | -3,587 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.34% | 0.00% | 0.00% | 0.10% | 0.00% | -234 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | -0.54% | 0.64% | 0.59% | 0.40% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.23% | 11.31% | 11.31% | 11.27% | 13.09% | +186 bps | |
| Net Worth / Assets | 11.23% | 11.31% | 11.31% | 11.27% | 13.09% | +186 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.52% | 36.13% | 36.78% | 35.36% | 39.05% | +53 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |