Arvada, CO · Charter 62776
NCUA · 6 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
61
Asset Quality
30
Profitability
83
Liquidity
0
Efficiency
91
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.
Arvada, CO · Charter 62776
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.11% | 0.09% | 2.33% | 1.45% | +131 bps | |
| Return on Equity | 1.27% | 1.00% | 0.78% | 19.41% | 12.48% | +1,122 bps | |
| Net Interest Margin | 4.03% | 4.11% | 4.04% | 3.94% | 3.80% | -23 bps | |
| Efficiency Ratio | 80.40% | 77.82% | 77.97% | 57.90% | 65.80% | -1,460 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.66% | 1.00% | 5.43% | 14.57% | 22.08% | +2,274 bps | |
| Loan Growth (YoY) | -2.37% | 0.65% | 8.03% | 14.58% | 16.81% | +1,918 bps | |
| Share Growth (YoY) | 7.25% | 7.43% | 7.98% | 14.72% | 17.84% | +1,059 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 1.65% | 1.64% | 1.56% | 1.39% | +8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.47% | 11.41% | 11.14% | 11.98% | 11.63% | +17 bps | |
| Net Worth / Assets | 11.47% | 11.41% | 11.14% | 11.98% | 11.63% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.12% | 98.38% | 101.95% | 97.73% | 99.25% | -87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Arvada, CO · Charter 62776 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)
NCUA · 6 branches
Q2 2026
Return on Assets
1.45%
Rank 4 of 23
Net Interest Margin
3.80%
Rank 6 of 23
Efficiency Ratio
65.80%
Rank 3 of 23
Equity / Assets
11.63%
Rank 9 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.45% | 0.05% | 0.36% | 0.99% | Beats 83% | 4 / 23 | |
| Return on Equity | 12.48% | 0.56% | 3.49% | 7.31% | Beats 91% | 2 / 23 | |
| Net Interest Margin | 3.80% | 3.13% | 3.48% | 3.80% | Beats 74% | 6 / 23 | |
| Efficiency Ratio | 65.80% | 73.94% | 83.38% | 93.84% | Beats 91% | 3 / 23 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.39% | 0.43% | 0.95% | 1.77% | Beats 30% | 17 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.63% | 8.31% | 9.81% | 13.01% | Beats 61% | 9 / 23 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.63% | 8.31% | 9.81% | 13.01% | Beats 61% | 9 / 23 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.25% | 65.11% | 76.01% | 85.36% | 96th pctl | 1 / 23 | |
| Loans / Assets | 83.72% | 56.54% | 66.35% | 73.30% | 91st pctl | 2 / 23 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||