Julesburg, CO · Charter 17250
NCUA · 1 branch
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
9
Asset Quality
100
Profitability
35
Liquidity
89
Efficiency
7
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.
Julesburg, CO · Charter 17250
NCUA · 1 branch
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 | -0.76% | -0.82% | -1.13% | -1.19% | -0.79% | -0.77% | -0.64% | -0.13% | +106 bps | |
| Return on Equity | -8.39% | -9.19% | -12.46% | -15.07% | -9.31% | -9.43% | -7.85% | -1.52% | +1,354 bps | |
| Net Interest Margin | 3.43% | 3.59% | 3.84% | 3.63% | 4.02% | 4.06% | 4.30% | 4.71% | +108 bps | |
| Efficiency Ratio | 115.92% | 117.12% | 124.91% | 117.71% | 110.00% | 111.13% | 113.21% | 102.34% | -1,537 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.28% | -14.42% | -11.86% | -3.19% | -2.65% | 0.55% | 2.80% | -11.78% | -859 bps | |
| Loan Growth (YoY) | 3.43% | 2.86% | -3.85% | 1.80% | 0.67% | -0.92% | -5.69% | -10.29% | -1,209 bps | |
| Share Growth (YoY) | -11.37% | -14.97% | -12.03% | -2.55% | -2.07% | 1.44% | 3.65% | -12.61% | -1,006 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.15% | 0.00% | 0.00% | 2.57% | 0.00% | 0.00% | 0.00% | 0.00% | -257 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 | 0.95% | 0.93% | 0.95% | 0.90% | 0.94% | 0.93% | 1.00% | 1.02% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.03% | 8.96% | 9.08% | 7.90% | 8.44% | 8.14% | 8.17% | 8.73% | +83 bps | |
| Net Worth / Assets | 9.03% | 8.96% | 9.08% | 7.90% | 8.44% | 8.14% | 8.17% | 8.73% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.03% | 67.62% | 69.06% | 64.24% | 66.86% | 66.04% | 62.83% | 65.95% | +171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Julesburg, CO · Charter 17250 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.14%
Rank 1,523 of 1,683
Net Interest Margin
4.72%
Rank 243 of 1,683
Efficiency Ratio
101.65%
Rank 1,571 of 1,682
Equity / Assets
8.73%
Rank 1,539 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.14% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,523 / 1,683 | ||
| Return on Equity | -1.62% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,538 / 1,681 | ||
| Net Interest Margin | 4.72% | 3.31% | 3.82% | 4.32% | Beats 86% | 243 / 1,683 | ||
| Efficiency Ratio | 101.65% | 68.91% | 78.20% | 86.93% | Beats 7% | 1,571 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.73% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,539 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.73% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,539 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.95% | 52.61% | 69.38% | 83.50% | 43rd pctl | 952 / 1,683 | ||
| Loans / Assets | 60.03% | 44.71% | 59.18% | 70.72% | 52nd pctl | 811 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||