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 | |