Delta, CO · Charter 24381
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 | 0.23% | 0.23% | 1.03% | 0.85% | 0.82% | 0.82% | 0.99% | 0.99% | +13 bps | |
| Return on Equity | 2.69% | 2.57% | 11.48% | 9.36% | 8.81% | 8.58% | 9.88% | 9.71% | +35 bps | |
| Net Interest Margin | 1.72% | 1.76% | 2.06% | 2.13% | 2.23% | 2.34% | 2.80% | 2.78% | +65 bps | |
| Efficiency Ratio | 90.15% | 90.59% | 69.26% | 72.62% | 73.74% | 74.13% | 71.08% | 71.01% | -161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.08% | -7.82% | -6.97% | -4.26% | -0.27% | 0.76% | -2.15% | -1.75% | +250 bps | |
| Loan Growth (YoY) | -4.56% | -7.49% | -6.59% | -4.70% | 0.25% | 2.19% | -1.24% | -3.96% | +74 bps | |
| Share Growth (YoY) | -7.93% | -8.75% | -7.98% | -5.21% | -1.08% | -0.17% | -3.39% | -3.01% | +220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 1.02% | 0.48% | 1.34% | 1.31% | 0.81% | 1.33% | 0.73% | -61 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 | 8.58% | 8.75% | 8.98% | 9.11% | 9.26% | 9.50% | 9.99% | 10.17% | +105 bps | |
| Net Worth / Assets | 8.58% | 8.75% | 8.98% | 9.11% | 9.26% | 9.50% | 9.99% | 10.17% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.00% | 33.75% | 33.58% | 33.82% | 34.46% | 34.55% | 34.32% | 33.49% | -33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |