PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Credit Union of Colorado, A

Denver, CO · Charter 24854

NCUA · 19 branches

Q2 2026

$2.6BAssets
$1.8BLoans
$2.3BShares
$274.8MNet 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 0.53%, up 31 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.74% of loans (+4 bps YoY).
  • Capital: net worth / assets of 10.44%, up 33 bps from a year ago.
  • Funding: loans stand at 77.16% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.53%+31 bps YoY

Net Interest Margin (quarter, annualized)

3.99%+18 bps YoY

Efficiency Ratio (quarter, annualized)

71.05%+127 bps YoY

Net Worth / Assets

10.44%+33 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.39%0.52%0.32%0.53%+31 bps
Return on Equity2.17%3.80%5.07%3.20%5.06%+289 bps
Net Interest Margin3.81%3.81%3.79%3.86%3.99%+18 bps
Efficiency Ratio69.78%69.24%69.80%71.13%71.05%+127 bps
Growth
Asset Growth (YoY)-10.99%-10.07%5.14%3.20%3.15%+1,414 bps
Loan Growth (YoY)1.55%2.82%4.80%6.40%6.28%+473 bps
Share Growth (YoY)4.84%4.49%4.66%2.56%2.49%-234 bps
Asset Quality
Delinquent Loans / Loans0.69%0.63%0.75%0.66%0.74%+4 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 Capital10.11%10.17%10.17%10.14%10.44%+33 bps
Net Worth / Assets10.11%10.17%10.17%10.14%10.44%+33 bps
Liquidity & Funding
Loans / Shares74.42%74.84%75.44%75.31%77.16%+275 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps