Craig, CO · Charter 15230
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.43% | -0.28% | -0.31% | -0.22% | -0.53% | 0.58% | 0.64% | +95 bps | |
| Return on Equity | 3.90% | 3.58% | -2.38% | -2.80% | -1.97% | -4.69% | 5.12% | 4.89% | +769 bps | |
| Net Interest Margin | 3.10% | 2.89% | 2.65% | 2.45% | 2.47% | 2.64% | 3.63% | 4.03% | +158 bps | |
| Efficiency Ratio | 88.51% | 89.22% | 112.53% | 110.18% | 107.25% | 104.19% | 84.73% | 87.02% | -2,315 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.82% | 12.32% | 15.35% | 16.68% | 11.46% | 2.51% | 0.07% | -14.84% | -3,152 bps | |
| Loan Growth (YoY) | -21.72% | -27.02% | -23.44% | -15.90% | -16.50% | -11.25% | -6.06% | -15.56% | +34 bps | |
| Share Growth (YoY) | 10.23% | 13.50% | 17.54% | 19.17% | 13.29% | 3.53% | 0.41% | -16.70% | -3,587 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.03% | 2.12% | 2.29% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.65% | 0.65% | 0.76% | -0.54% | 0.64% | 0.59% | 0.40% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.71% | 12.14% | 11.59% | 11.23% | 11.31% | 11.31% | 11.27% | 13.09% | +186 bps | |
| Net Worth / Assets | 12.71% | 12.14% | 11.59% | 11.23% | 11.31% | 11.31% | 11.27% | 13.09% | +186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.02% | 42.91% | 37.79% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |