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 | |