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 | |