PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Denver Fire Department

Denver, CO · Charter 2881

NCUA · 2 branches

Q2 2026

$213.5MAssets
$108.5MLoans
$185.6MShares
$30.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.03%, up 27 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.09% of loans (+3 bps YoY).
  • Capital: net worth / assets of 14.15%, up 77 bps from a year ago.
  • Funding: loans stand at 58.47% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.03%+27 bps YoY

Net Interest Margin (quarter, annualized)

3.01%+37 bps YoY

Efficiency Ratio (quarter, annualized)

69.07%-573 bps YoY

Net Worth / Assets

14.15%+77 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.84%0.81%0.80%1.03%+27 bps
Return on Equity5.68%6.31%6.04%5.72%7.31%+163 bps
Net Interest Margin2.64%2.68%2.71%3.09%3.01%+37 bps
Efficiency Ratio74.80%72.36%73.68%75.19%69.07%-573 bps
Growth
Asset Growth (YoY)4.36%4.36%5.55%-0.52%1.45%-291 bps
Loan Growth (YoY)-5.47%-1.24%0.03%8.69%8.26%+1,373 bps
Share Growth (YoY)3.14%3.89%4.16%-0.36%2.40%-74 bps
Asset Quality
Delinquent Loans / Loans0.06%0.06%0.08%0.10%0.09%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.37%13.37%13.41%14.01%14.15%+77 bps
Net Worth / Assets13.37%13.37%13.41%14.01%14.15%+77 bps
Liquidity & Funding
Loans / Shares55.30%55.41%54.71%58.59%58.47%+317 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps