PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Co-ne

Julesburg, CO · Charter 17250

NCUA · 1 branch

Q2 2026

$4.2MAssets
$2.5MLoans
$3.9MShares
$370KNet 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 -0.13%, up 106 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.00% of loans (-257 bps YoY).
  • Capital: net worth / assets of 8.73%, up 83 bps from a year ago.
  • Funding: loans stand at 65.95% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.13%+106 bps YoY

Net Interest Margin (quarter, annualized)

4.71%+108 bps YoY

Efficiency Ratio (quarter, annualized)

102.34%-1,537 bps YoY

Net Worth / Assets

8.73%+83 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.19%-0.79%-0.77%-0.64%-0.13%+106 bps
Return on Equity-15.07%-9.31%-9.43%-7.85%-1.52%+1,354 bps
Net Interest Margin3.63%4.02%4.06%4.30%4.71%+108 bps
Efficiency Ratio117.71%110.00%111.13%113.21%102.34%-1,537 bps
Growth
Asset Growth (YoY)-3.19%-2.65%0.55%2.80%-11.78%-859 bps
Loan Growth (YoY)1.80%0.67%-0.92%-5.69%-10.29%-1,209 bps
Share Growth (YoY)-2.55%-2.07%1.44%3.65%-12.61%-1,006 bps
Asset Quality
Delinquent Loans / Loans2.57%0.00%0.00%0.00%0.00%-257 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.90%0.94%0.93%1.00%1.02%+12 bps
Capital
Risk-Based Capital7.90%8.44%8.14%8.17%8.73%+83 bps
Net Worth / Assets7.90%8.44%8.14%8.17%8.73%+83 bps
Liquidity & Funding
Loans / Shares64.24%66.86%66.04%62.83%65.95%+171 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps