Holyoke, CO · Charter 2818
NCUA · 2 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
39
Profitability
65
Liquidity
98
Efficiency
71
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.
Holyoke, CO · Charter 2818
NCUA · 2 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 | 0.30% | 0.37% | 0.59% | 0.85% | 0.91% | 0.93% | 0.99% | 1.10% | +25 bps | |
| Return on Equity | 3.82% | 4.70% | 7.61% | 10.68% | 11.57% | 11.52% | 12.45% | 13.27% | +259 bps | |
| Net Interest Margin | 3.28% | 3.19% | 3.20% | 3.36% | 3.30% | 3.32% | 3.34% | 3.43% | +7 bps | |
| Efficiency Ratio | 91.67% | 89.58% | 83.22% | 76.88% | 74.91% | 74.48% | 73.40% | 70.73% | -615 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.19% | 2.94% | 4.36% | 4.49% | 12.20% | 9.10% | 11.92% | 10.37% | +587 bps | |
| Loan Growth (YoY) | 2.97% | 2.56% | 1.00% | -1.00% | -0.15% | 1.50% | 4.87% | 6.36% | +736 bps | |
| Share Growth (YoY) | -2.72% | 2.72% | 4.16% | 2.18% | 10.38% | 8.81% | 11.78% | 10.09% | +791 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.50% | 1.52% | 2.39% | 1.28% | 0.38% | 0.89% | 0.92% | 0.88% | -40 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 | 7.93% | 7.83% | 7.77% | 8.00% | 7.89% | 8.11% | 7.95% | 8.31% | +31 bps | |
| Net Worth / Assets | 7.93% | 7.83% | 7.77% | 8.00% | 7.89% | 8.11% | 7.95% | 8.31% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.23% | 72.35% | 70.23% | 71.03% | 68.05% | 67.50% | 65.89% | 68.63% | -241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Holyoke, CO · Charter 2818 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.10%
Rank 498 of 1,683
Net Interest Margin
3.43%
Rank 1,176 of 1,683
Efficiency Ratio
70.76%
Rank 492 of 1,682
Equity / Assets
8.31%
Rank 1,596 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.35% | 0.74% | 1.18% | Beats 70% | 498 / 1,683 | ||
| Return on Equity | 13.26% | 2.67% | 5.89% | 8.74% | Beats 95% | 84 / 1,681 | ||
| Net Interest Margin | 3.43% | 3.31% | 3.82% | 4.32% | Beats 30% | 1,176 / 1,683 | ||
| Efficiency Ratio | 70.76% | 68.91% | 78.20% | 86.93% | Beats 71% | 492 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,025 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.31% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,596 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.31% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,596 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.63% | 52.61% | 69.38% | 83.50% | 49th pctl | 864 / 1,683 | ||
| Loans / Assets | 61.54% | 44.71% | 59.18% | 70.72% | 55th pctl | 750 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||