PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sooper CU Dba Climb CU

Arvada, CO · Charter 62776

NCUA · 6 branches

Q2 2026

$822.8MAssets
$688.9MLoans
$694.1MShares
$95.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.45%, up 131 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 1.39% of loans (+8 bps YoY).
  • Capital: net worth / assets of 11.63%, up 17 bps from a year ago.
  • Funding: loans stand at 99.25% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.45%+131 bps YoY

Net Interest Margin (YTD, annualized)

3.80%-23 bps YoY

Efficiency Ratio (YTD, annualized)

65.80%-1,460 bps YoY

Net Worth / Assets

11.63%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.77%0.06%0.15%0.11%0.09%2.33%1.45%+131 bps
Return on Equity8.62%6.61%0.56%1.27%1.00%0.78%19.41%12.48%+1,122 bps
Net Interest Margin4.34%4.39%3.95%4.03%4.11%4.04%3.94%3.80%-23 bps
Efficiency Ratio70.28%71.73%84.25%80.40%77.82%77.97%57.90%65.80%-1,460 bps
Growth
Asset Growth (YoY)5.07%-0.89%1.92%-0.66%1.00%5.43%14.57%22.08%+2,274 bps
Loan Growth (YoY)4.08%-1.87%-1.17%-2.37%0.65%8.03%14.58%16.81%+1,918 bps
Share Growth (YoY)1.82%5.00%7.71%7.25%7.43%7.98%14.72%17.84%+1,059 bps
Asset Quality
Delinquent Loans / Loans1.57%1.79%1.41%1.31%1.65%1.64%1.56%1.39%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.42%11.65%11.20%11.47%11.41%11.14%11.98%11.63%+17 bps
Net Worth / Assets11.42%11.65%11.20%11.47%11.41%11.14%11.98%11.63%+17 bps
Liquidity & Funding
Loans / Shares105.01%101.90%97.84%100.12%98.38%101.95%97.73%99.25%-87 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps