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 | |