Denver, CO · Charter 2881
NCUA · 2 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
83
Asset Quality
96
Profitability
56
Liquidity
3
Efficiency
87
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 2881
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 | 0.99% | 0.84% | 0.60% | 0.76% | 0.84% | 0.81% | 0.80% | 1.03% | +27 bps | |
| Return on Equity | 7.47% | 6.29% | 4.63% | 5.68% | 6.31% | 6.04% | 5.72% | 7.31% | +163 bps | |
| Net Interest Margin | 2.57% | 2.59% | 2.60% | 2.64% | 2.68% | 2.71% | 3.09% | 3.01% | +37 bps | |
| Efficiency Ratio | 68.52% | 72.39% | 78.97% | 74.80% | 72.36% | 73.68% | 75.19% | 69.07% | -573 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.21% | 0.69% | 1.61% | 4.36% | 4.36% | 5.55% | -0.52% | 1.45% | -291 bps | |
| Loan Growth (YoY) | -0.09% | -0.52% | -5.59% | -5.47% | -1.24% | 0.03% | 8.69% | 8.26% | +1,373 bps | |
| Share Growth (YoY) | 1.32% | 2.56% | 3.22% | 3.14% | 3.89% | 4.16% | -0.36% | 2.40% | -74 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.13% | 0.01% | 0.06% | 0.06% | 0.08% | 0.10% | 0.09% | +3 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 | 13.19% | 13.30% | 13.06% | 13.37% | 13.37% | 13.41% | 14.01% | 14.15% | +77 bps | |
| Net Worth / Assets | 13.19% | 13.30% | 13.06% | 13.37% | 13.37% | 13.41% | 14.01% | 14.15% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.29% | 56.97% | 53.71% | 55.30% | 55.41% | 54.71% | 58.59% | 58.47% | +317 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 2881 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)
NCUA · 2 branches
Q2 2026
Return on Assets
1.03%
Rank 5 of 23
Net Interest Margin
3.01%
Rank 19 of 23
Efficiency Ratio
69.09%
Rank 4 of 23
Equity / Assets
14.15%
Rank 4 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.05% | 0.36% | 0.99% | Beats 78% | 5 / 23 | ||
| Return on Equity | 7.31% | 0.56% | 3.49% | 7.31% | Beats 74% | 6 / 23 | ||
| Net Interest Margin | 3.01% | 3.13% | 3.48% | 3.80% | Beats 17% | 19 / 23 | ||
| Efficiency Ratio | 69.09% | 73.94% | 83.38% | 93.84% | Beats 87% | 4 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.43% | 0.95% | 1.77% | Beats 96% | 2 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.15% | 8.31% | 9.81% | 13.01% | Beats 83% | 4 / 23 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.15% | 8.31% | 9.81% | 13.01% | Beats 83% | 4 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.47% | 65.11% | 76.01% | 85.36% | 13th pctl | 20 / 23 | ||
| Loans / Assets | 50.83% | 56.54% | 66.35% | 73.30% | 13th pctl | 20 / 23 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||