Sterling, CO · Charter 2840
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.08% | 1.36% | 1.38% | 1.36% | 1.24% | 1.37% | 1.40% | +2 bps | |
| Return on Equity | 7.32% | 6.59% | 8.34% | 8.24% | 8.02% | 7.35% | 8.17% | 8.18% | -6 bps | |
| Net Interest Margin | 2.32% | 2.17% | 2.48% | 2.60% | 2.62% | 2.56% | 2.85% | 2.97% | +36 bps | |
| Efficiency Ratio | 57.23% | 59.56% | 54.54% | 55.28% | 55.83% | 58.28% | 58.85% | 59.42% | +414 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.01% | 4.42% | 5.77% | 5.14% | 5.53% | 4.14% | 5.58% | 6.11% | +97 bps | |
| Loan Growth (YoY) | 1.24% | -2.05% | 2.76% | 3.08% | 1.25% | 1.74% | 4.65% | 4.99% | +191 bps | |
| Share Growth (YoY) | 5.34% | 4.49% | 4.99% | 5.18% | 4.05% | 2.89% | 5.47% | 5.63% | +44 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.07% | 0.26% | 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 | 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 | 16.64% | 16.32% | 16.28% | 16.71% | 16.97% | 16.91% | 16.71% | 17.07% | +36 bps | |
| Net Worth / Assets | 16.64% | 16.32% | 16.28% | 16.71% | 16.97% | 16.91% | 16.71% | 17.07% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.39% | 43.63% | 44.27% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |