Aurora, CO · Charter 18574
NCUA · 2 branches
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 in the Denver-Aurora-Centennial, CO area (n=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
4
Profitability
54
Liquidity
0
Efficiency
65
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.
Aurora, CO · Charter 18574
NCUA · 2 branches
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% | 0.80% | 0.24% | -0.21% | -0.15% | -0.31% | 0.67% | 0.59% | +80 bps | |
| Return on Equity | 3.96% | 4.06% | 1.35% | -1.18% | -0.83% | -1.72% | 3.86% | 3.38% | +456 bps | |
| Net Interest Margin | 3.87% | 3.92% | 3.75% | 3.83% | 4.11% | 4.02% | 3.57% | 3.57% | -26 bps | |
| Efficiency Ratio | 75.27% | 75.63% | 79.57% | 73.94% | 75.31% | 76.29% | 84.15% | 82.13% | +819 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.50% | 1.45% | 7.83% | 8.90% | 6.74% | 8.00% | 2.11% | 2.63% | -627 bps | |
| Loan Growth (YoY) | 6.70% | 7.31% | 16.41% | 12.41% | 9.28% | 3.95% | -4.65% | -10.35% | -2,276 bps | |
| Share Growth (YoY) | 1.83% | 0.40% | 8.27% | 10.38% | 8.05% | 10.42% | 2.83% | 3.01% | -737 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.46% | 0.90% | 1.48% | 1.76% | 2.05% | 2.21% | 3.46% | +198 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.27% | 19.58% | 18.06% | 17.86% | 18.10% | 17.79% | 17.46% | 17.47% | -39 bps | |
| Net Worth / Assets | 19.27% | 19.58% | 18.06% | 17.86% | 18.10% | 17.79% | 17.46% | 17.47% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.30% | 67.70% | 65.03% | 66.47% | 66.04% | 63.73% | 60.30% | 57.85% | -862 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aurora, CO · Charter 18574 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)
NCUA · 2 branches
Q2 2026
Return on Assets
0.59%
Rank 9 of 23
Net Interest Margin
3.57%
Rank 10 of 23
Efficiency Ratio
82.12%
Rank 9 of 23
Equity / Assets
17.47%
Rank 3 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.05% | 0.36% | 0.99% | Beats 61% | 9 / 23 | ||
| Return on Equity | 3.38% | 0.56% | 3.49% | 7.31% | Beats 43% | 13 / 23 | ||
| Net Interest Margin | 3.57% | 3.13% | 3.48% | 3.80% | Beats 57% | 10 / 23 | ||
| Efficiency Ratio | 82.12% | 73.94% | 83.38% | 93.84% | Beats 65% | 9 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.46% | 0.43% | 0.95% | 1.77% | Beats 4% | 23 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.47% | 8.31% | 9.81% | 13.01% | Beats 87% | 3 / 23 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.47% | 8.31% | 9.81% | 13.01% | Beats 87% | 3 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.85% | 65.11% | 76.01% | 85.36% | 9th pctl | 21 / 23 | ||
| Loans / Assets | 47.59% | 56.54% | 66.35% | 73.30% | 4th pctl | 22 / 23 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||