Centennial, CO · Charter 62422
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
74
Asset Quality
91
Profitability
57
Liquidity
56
Efficiency
70
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.
Centennial, CO · Charter 62422
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 | 0.49% | 0.56% | 0.68% | 0.75% | 0.78% | 0.85% | 0.30% | 0.47% | -28 bps | |
| Return on Equity | 3.83% | 4.45% | 5.35% | 5.80% | 5.98% | 6.46% | 2.35% | 3.62% | -217 bps | |
| Net Interest Margin | 3.20% | 3.16% | 3.36% | 3.52% | 3.60% | 3.57% | 3.50% | 3.57% | +5 bps | |
| Efficiency Ratio | 78.47% | 76.27% | 78.21% | 75.94% | 75.36% | 74.53% | 82.84% | 81.27% | +532 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.41% | 0.99% | 2.82% | 1.20% | 2.75% | 2.62% | 5.59% | 5.55% | +436 bps | |
| Loan Growth (YoY) | 2.24% | 3.69% | 3.03% | 7.01% | 9.27% | 8.39% | 6.99% | 5.73% | -128 bps | |
| Share Growth (YoY) | -0.12% | 0.73% | 2.74% | 0.94% | 2.16% | 1.82% | 5.58% | 5.27% | +433 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.34% | 0.11% | 0.23% | 0.25% | 0.30% | 0.23% | 0.15% | -9 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 | 12.68% | 12.58% | 12.65% | 13.00% | 13.12% | 13.10% | 12.70% | 13.01% | +1 bps | |
| Net Worth / Assets | 12.68% | 12.58% | 12.65% | 13.00% | 13.12% | 13.10% | 12.70% | 13.01% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.31% | 80.38% | 81.09% | 84.99% | 86.97% | 85.57% | 82.17% | 85.36% | +37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Centennial, CO · Charter 62422 · 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
0.47%
Rank 10 of 23
Net Interest Margin
3.57%
Rank 9 of 23
Efficiency Ratio
81.29%
Rank 8 of 23
Equity / Assets
13.01%
Rank 6 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.47% | 0.05% | 0.36% | 0.99% | Beats 57% | 10 / 23 | ||
| Return on Equity | 3.62% | 0.56% | 3.49% | 7.31% | Beats 52% | 11 / 23 | ||
| Net Interest Margin | 3.57% | 3.13% | 3.48% | 3.80% | Beats 61% | 9 / 23 | ||
| Efficiency Ratio | 81.29% | 73.94% | 83.38% | 93.84% | Beats 70% | 8 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.43% | 0.95% | 1.77% | Beats 91% | 3 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.01% | 8.31% | 9.81% | 13.01% | Beats 74% | 6 / 23 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.01% | 8.31% | 9.81% | 13.01% | Beats 74% | 6 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.36% | 65.11% | 76.01% | 85.36% | 74th pctl | 6 / 23 | ||
| Loans / Assets | 73.30% | 56.54% | 66.35% | 73.30% | 74th pctl | 6 / 23 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||