PackageTrendsPeer
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Holyoke Community

Holyoke, CO · Charter 2818

NCUA · 2 branches

Q2 2026

$49.8MAssets
$30.6MLoans
$44.6MShares
$4.1MNet 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 1.10%, up 25 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.88% of loans (-40 bps YoY).
  • Capital: net worth / assets of 8.31%, up 31 bps from a year ago.
  • Funding: loans stand at 68.63% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.10%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.43%+7 bps YoY

Efficiency Ratio (quarter, annualized)

70.73%-615 bps YoY

Net Worth / Assets

8.31%+31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.91%0.93%0.99%1.10%+25 bps
Return on Equity10.68%11.57%11.52%12.45%13.27%+259 bps
Net Interest Margin3.36%3.30%3.32%3.34%3.43%+7 bps
Efficiency Ratio76.88%74.91%74.48%73.40%70.73%-615 bps
Growth
Asset Growth (YoY)4.49%12.20%9.10%11.92%10.37%+587 bps
Loan Growth (YoY)-1.00%-0.15%1.50%4.87%6.36%+736 bps
Share Growth (YoY)2.18%10.38%8.81%11.78%10.09%+791 bps
Asset Quality
Delinquent Loans / Loans1.28%0.38%0.89%0.92%0.88%-40 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 Capital8.00%7.89%8.11%7.95%8.31%+31 bps
Net Worth / Assets8.00%7.89%8.11%7.95%8.31%+31 bps
Liquidity & Funding
Loans / Shares71.03%68.05%67.50%65.89%68.63%-241 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps