Englewood, CO · Charter 24889
NCUA · 1 branch
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 under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
61
Profitability
35
Liquidity
17
Efficiency
22
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.
Englewood, CO · Charter 24889
NCUA · 1 branch
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 | -1.42% | -1.15% | -1.80% | -0.84% | -0.49% | -0.37% | -0.41% | -0.20% | +65 bps | |
| Return on Equity | -9.13% | -7.46% | -12.17% | -7.27% | -4.28% | -3.44% | -4.12% | -2.00% | +527 bps | |
| Net Interest Margin | 5.74% | 5.82% | 3.29% | 3.71% | 4.37% | 3.80% | 4.01% | 4.05% | +34 bps | |
| Efficiency Ratio | 122.31% | 113.56% | 136.49% | 117.80% | 109.13% | 104.97% | 104.49% | 94.13% | -2,367 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.04% | 24.84% | 56.54% | 80.69% | 70.30% | 77.91% | 45.36% | 17.57% | -6,312 bps | |
| Loan Growth (YoY) | -7.99% | 4.82% | 17.57% | 24.63% | 57.33% | 87.99% | 94.90% | 80.71% | +5,608 bps | |
| Share Growth (YoY) | 8.62% | 14.44% | 61.14% | 102.43% | 91.01% | 98.19% | 50.39% | 20.97% | -8,145 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.68% | 0.14% | 0.30% | 0.39% | 0.48% | 0.61% | 0.74% | +44 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 | 15.57% | 15.46% | 14.80% | 11.62% | 11.36% | 10.84% | 10.04% | 9.81% | -182 bps | |
| Net Worth / Assets | 15.57% | 15.46% | 14.80% | 11.62% | 11.36% | 10.84% | 10.04% | 9.81% | -182 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.87% | 104.76% | 74.60% | 62.70% | 75.67% | 99.37% | 96.68% | 93.66% | +3,096 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Englewood, CO · Charter 24889 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.20%
Rank 21 of 23
Net Interest Margin
4.05%
Rank 3 of 23
Efficiency Ratio
94.14%
Rank 19 of 23
Equity / Assets
9.81%
Rank 12 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.20% | 0.05% | 0.36% | 0.99% | Beats 9% | 21 / 23 | ||
| Return on Equity | -2.00% | 0.56% | 3.49% | 7.31% | Beats 9% | 21 / 23 | ||
| Net Interest Margin | 4.05% | 3.13% | 3.48% | 3.80% | Beats 87% | 3 / 23 | ||
| Efficiency Ratio | 94.14% | 73.94% | 83.38% | 93.84% | Beats 22% | 19 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.43% | 0.95% | 1.77% | Beats 61% | 10 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.81% | 8.31% | 9.81% | 13.01% | Beats 48% | 12 / 23 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.81% | 8.31% | 9.81% | 13.01% | Beats 48% | 12 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.66% | 65.11% | 76.01% | 85.36% | 83rd pctl | 4 / 23 | ||
| Loans / Assets | 80.95% | 56.54% | 66.35% | 73.30% | 83rd pctl | 4 / 23 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||