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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.00%0.26%0.22%0.39%0.52%0.32%0.53%+31 bps
Return on Equity11.22%9.86%2.64%2.17%3.80%5.07%3.20%5.06%+289 bps
Net Interest Margin3.17%3.66%3.60%3.81%3.81%3.79%3.86%3.99%+18 bps
Efficiency Ratio63.76%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 / Loans1.03%1.06%0.76%0.69%0.63%0.75%0.66%0.74%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.79%10.19%9.96%10.11%10.17%10.17%10.14%10.44%+33 bps
Net Worth / Assets8.79%10.19%9.96%10.11%10.17%10.17%10.14%10.44%+33 bps
Liquidity & Funding
Loans / Shares76.06%75.33%72.59%74.42%74.84%75.44%75.31%77.16%+275 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps