Sterling, CO · Charter 2840
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 1.36% | 1.24% | 1.37% | 1.40% | +2 bps | |
| Return on Equity | 8.24% | 8.02% | 7.35% | 8.17% | 8.18% | -6 bps | |
| Net Interest Margin | 2.60% | 2.62% | 2.56% | 2.85% | 2.97% | +36 bps | |
| Efficiency Ratio | 55.28% | 55.83% | 58.28% | 58.85% | 59.42% | +414 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.14% | 5.53% | 4.14% | 5.58% | 6.11% | +97 bps | |
| Loan Growth (YoY) | 3.08% | 1.25% | 1.74% | 4.65% | 4.99% | +191 bps | |
| Share Growth (YoY) | 5.18% | 4.05% | 2.89% | 5.47% | 5.63% | +44 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.21% | 0.18% | 0.14% | 0.00% | -26 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.71% | 16.97% | 16.91% | 16.71% | 17.07% | +36 bps | |
| Net Worth / Assets | 16.71% | 16.97% | 16.91% | 16.71% | 17.07% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.88% | 44.17% | 43.14% | 43.92% | 44.61% | -27 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |