Denver, CO · Charter 24854
NCUA · 19 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
46
Profitability
45
Liquidity
52
Efficiency
53
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.
Denver, CO · Charter 24854
NCUA · 19 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 | 0.99% | 1.00% | 0.26% | 0.22% | 0.39% | 0.52% | 0.32% | 0.53% | +31 bps | |
| Return on Equity | 11.22% | 9.86% | 2.64% | 2.17% | 3.80% | 5.07% | 3.20% | 5.06% | +289 bps | |
| Net Interest Margin | 3.17% | 3.66% | 3.60% | 3.81% | 3.81% | 3.79% | 3.86% | 3.99% | +18 bps | |
| Efficiency Ratio | 63.76% | 65.61% | 71.24% | 69.78% | 69.24% | 69.80% | 71.13% | 71.05% | +127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.86% | -11.70% | -11.01% | -10.99% | -10.07% | 5.14% | 3.20% | 3.15% | +1,414 bps | |
| Loan Growth (YoY) | 1.92% | 0.98% | 0.44% | 1.55% | 2.82% | 4.80% | 6.40% | 6.28% | +473 bps | |
| Share Growth (YoY) | 5.94% | 6.01% | 5.43% | 4.84% | 4.49% | 4.66% | 2.56% | 2.49% | -234 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 1.06% | 0.76% | 0.69% | 0.63% | 0.75% | 0.66% | 0.74% | +4 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 | 8.79% | 10.19% | 9.96% | 10.11% | 10.17% | 10.17% | 10.14% | 10.44% | +33 bps | |
| Net Worth / Assets | 8.79% | 10.19% | 9.96% | 10.11% | 10.17% | 10.17% | 10.14% | 10.44% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.06% | 75.33% | 72.59% | 74.42% | 74.84% | 75.44% | 75.31% | 77.16% | +275 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Denver, CO · Charter 24854 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 19 branches
Q2 2026
Return on Assets
0.53%
Rank 335 of 435
Net Interest Margin
3.99%
Rank 54 of 435
Efficiency Ratio
71.05%
Rank 207 of 435
Equity / Assets
10.44%
Rank 264 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.55% | 0.81% | 1.14% | Beats 23% | 335 / 435 | ||
| Return on Equity | 5.06% | 5.12% | 7.41% | 9.70% | Beats 25% | 328 / 435 | ||
| Net Interest Margin | 3.99% | 3.01% | 3.39% | 3.75% | Beats 88% | 54 / 435 | ||
| Efficiency Ratio | 71.05% | 65.25% | 71.39% | 77.86% | Beats 53% | 207 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.45% | 0.69% | 1.05% | Beats 46% | 235 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.44% | 9.81% | 10.84% | 12.63% | Beats 39% | 264 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.44% | 9.81% | 10.84% | 12.63% | Beats 39% | 264 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.16% | 78.33% | 88.38% | 95.61% | 23rd pctl | 336 / 435 | ||
| Loans / Assets | 68.52% | 67.69% | 74.58% | 80.80% | 27th pctl | 319 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||