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Meritrust

Broomfield, CO · Charter 62574

NCUA · 19 branches

Q2 2026

$4.1BAssets
$3.2BLoans
$3.5BShares
$336.6MNet 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 0.17%, up 7 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.48% of loans (+3 bps YoY).
  • Capital: net worth / assets of 8.13%, down 81 bps from a year ago.
  • Funding: loans stand at 93.68% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.17%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.21%+54 bps YoY

Efficiency Ratio (quarter, annualized)

86.96%+62 bps YoY

Net Worth / Assets

8.13%-81 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%-0.07%0.28%0.26%0.17%+7 bps
Return on Equity1.13%-0.81%3.39%3.26%2.13%+101 bps
Net Interest Margin2.67%2.80%2.63%3.01%3.21%+54 bps
Efficiency Ratio86.34%83.05%87.93%86.47%86.96%+62 bps
Growth
Asset Growth (YoY)2.24%127.03%124.85%133.52%131.72%+12,947 bps
Loan Growth (YoY)3.46%123.91%130.05%132.73%143.93%+14,048 bps
Share Growth (YoY)6.22%130.56%131.67%135.06%128.40%+12,217 bps
Asset Quality
Delinquent Loans / Loans0.45%0.52%0.43%0.40%0.48%+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 Capital8.93%8.07%8.17%8.01%8.13%-81 bps
Net Worth / Assets8.93%8.07%8.17%8.01%8.13%-81 bps
Liquidity & Funding
Loans / Shares87.71%88.22%88.81%86.89%93.68%+597 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps