Denver, CO · Charter 2847
NCUA · 3 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 in the Denver-Aurora-Centennial, CO area (n=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
57
Profitability
65
Liquidity
70
Efficiency
83
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.
Denver, CO · Charter 2847
NCUA · 3 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 | 1.92% | 1.61% | 0.78% | 1.75% | 1.48% | 1.21% | 0.54% | 1.45% | -30 bps | |
| Return on Equity | 10.59% | 8.93% | 4.49% | 9.53% | 8.02% | 6.67% | 2.98% | 7.71% | -183 bps | |
| Net Interest Margin | 3.63% | 3.59% | 3.32% | 3.45% | 3.42% | 3.34% | 3.22% | 3.28% | -17 bps | |
| Efficiency Ratio | 62.17% | 65.01% | 78.78% | 65.58% | 70.13% | 73.41% | 85.70% | 71.49% | +591 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.87% | 5.07% | 5.74% | 4.84% | 5.42% | 5.99% | 2.64% | 3.47% | -137 bps | |
| Loan Growth (YoY) | 3.42% | 5.72% | 2.51% | 0.27% | 3.03% | 0.07% | 2.10% | 5.17% | +490 bps | |
| Share Growth (YoY) | 1.33% | 3.67% | 4.28% | 2.83% | 4.71% | 5.58% | 1.64% | 3.01% | +17 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.88% | 0.85% | 0.79% | 0.85% | 0.93% | 0.98% | 0.85% | +6 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 | 18.10% | 18.01% | 17.44% | 18.38% | 18.46% | 18.20% | 18.07% | 18.85% | +46 bps | |
| Net Worth / Assets | 18.10% | 18.01% | 17.44% | 18.38% | 18.46% | 18.20% | 18.07% | 18.85% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.78% | 84.79% | 79.76% | 80.64% | 83.42% | 80.36% | 80.12% | 82.34% | +170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Denver, CO · Charter 2847 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)
NCUA · 3 branches
Q2 2026
Return on Assets
1.45%
Rank 3 of 23
Net Interest Margin
3.28%
Rank 16 of 23
Efficiency Ratio
71.50%
Rank 5 of 23
Equity / Assets
18.85%
Rank 2 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.05% | 0.36% | 0.99% | Beats 87% | 3 / 23 | ||
| Return on Equity | 7.71% | 0.56% | 3.49% | 7.31% | Beats 78% | 5 / 23 | ||
| Net Interest Margin | 3.28% | 3.13% | 3.48% | 3.80% | Beats 30% | 16 / 23 | ||
| Efficiency Ratio | 71.50% | 73.94% | 83.38% | 93.84% | Beats 83% | 5 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.43% | 0.95% | 1.77% | Beats 57% | 11 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.85% | 8.31% | 9.81% | 13.01% | Beats 91% | 2 / 23 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.85% | 8.31% | 9.81% | 13.01% | Beats 91% | 2 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.34% | 65.11% | 76.01% | 85.36% | 70th pctl | 7 / 23 | ||
| Loans / Assets | 66.35% | 56.54% | 66.35% | 73.30% | 48th pctl | 12 / 23 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||