PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Metrum Community

Centennial, CO · Charter 62422

NCUA · 2 branches

Q2 2026

$111.6MAssets
$81.8MLoans
$95.8MShares
$14.5MNet 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 0.47%, down 28 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.15% of loans (-9 bps YoY).
  • Capital: net worth / assets of 13.01%, up 1 bps from a year ago.
  • Funding: loans stand at 85.36% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.47%-28 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+5 bps YoY

Efficiency Ratio (quarter, annualized)

81.27%+532 bps YoY

Net Worth / Assets

13.01%+1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.78%0.85%0.30%0.47%-28 bps
Return on Equity5.80%5.98%6.46%2.35%3.62%-217 bps
Net Interest Margin3.52%3.60%3.57%3.50%3.57%+5 bps
Efficiency Ratio75.94%75.36%74.53%82.84%81.27%+532 bps
Growth
Asset Growth (YoY)1.20%2.75%2.62%5.59%5.55%+436 bps
Loan Growth (YoY)7.01%9.27%8.39%6.99%5.73%-128 bps
Share Growth (YoY)0.94%2.16%1.82%5.58%5.27%+433 bps
Asset Quality
Delinquent Loans / Loans0.23%0.25%0.30%0.23%0.15%-9 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 Capital13.00%13.12%13.10%12.70%13.01%+1 bps
Net Worth / Assets13.00%13.12%13.10%12.70%13.01%+1 bps
Liquidity & Funding
Loans / Shares84.99%86.97%85.57%82.17%85.36%+37 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps