PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Delta County

Delta, CO · Charter 24381

NCUA · 2 branches

Q2 2026

$72.8MAssets
$21.8MLoans
$65.2MShares
$7.4MNet 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 0.99%, up 13 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.73% of loans (-61 bps YoY).
  • Capital: net worth / assets of 10.17%, up 105 bps from a year ago.
  • Funding: loans stand at 33.49% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+65 bps YoY

Efficiency Ratio (YTD, annualized)

71.01%-161 bps YoY

Net Worth / Assets

10.17%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.82%0.82%0.99%0.99%+13 bps
Return on Equity9.36%8.81%8.58%9.88%9.71%+35 bps
Net Interest Margin2.13%2.23%2.34%2.80%2.78%+65 bps
Efficiency Ratio72.62%73.74%74.13%71.08%71.01%-161 bps
Growth
Asset Growth (YoY)-4.26%-0.27%0.76%-2.15%-1.75%+250 bps
Loan Growth (YoY)-4.70%0.25%2.19%-1.24%-3.96%+74 bps
Share Growth (YoY)-5.21%-1.08%-0.17%-3.39%-3.01%+220 bps
Asset Quality
Delinquent Loans / Loans1.34%1.31%0.81%1.33%0.73%-61 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.11%9.26%9.50%9.99%10.17%+105 bps
Net Worth / Assets9.11%9.26%9.50%9.99%10.17%+105 bps
Liquidity & Funding
Loans / Shares33.82%34.46%34.55%34.32%33.49%-33 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps