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Partner Colorado

Arvada, CO · Charter 62903

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area3

Basis

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.

Peer group

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.

Peer standing

Capital

39

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

43

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Partner Colorado

Arvada, CO · Charter 62903

NCUA · 5 branches

Q2 2026

$643.6MAssets
$445.8MLoans
$565.2MShares
$60.5MNet 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 0.37%, up 1 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.45% of loans (-17 bps YoY).
  • Capital: net worth / assets of 9.39%, down 40 bps from a year ago.
  • Funding: loans stand at 78.87% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+1 bps YoY

Net Interest Margin (YTD, annualized)

2.65%-16 bps YoY

Efficiency Ratio (YTD, annualized)

88.37%+575 bps YoY

Net Worth / Assets

9.39%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.43%0.29%0.47%0.37%+1 bps
Return on Equity3.73%4.45%3.09%4.97%3.96%+24 bps
Net Interest Margin2.81%2.80%2.69%2.64%2.65%-16 bps
Efficiency Ratio82.62%81.14%84.76%90.75%88.37%+575 bps
Growth
Asset Growth (YoY)-0.06%4.69%2.55%7.11%7.19%+725 bps
Loan Growth (YoY)-2.96%2.81%7.10%8.19%6.60%+956 bps
Share Growth (YoY)6.10%11.26%1.47%10.07%8.52%+242 bps
Asset Quality
Delinquent Loans / Loans0.62%0.70%0.47%0.37%0.45%-17 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 Capital9.79%9.64%9.27%9.38%9.39%-40 bps
Net Worth / Assets9.79%9.64%9.27%9.38%9.39%-40 bps
Liquidity & Funding
Loans / Shares80.29%79.12%81.93%77.53%78.87%-142 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Partner Colorado

Arvada, CO · Charter 62903 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)

NCUA · 5 branches

Q2 2026

$643.6MAssets
$445.8MLoans
$565.2MShares
$60.5MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 74% of credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (rank 7 of 23).
  • Widest gap: net interest margin trails 96% of credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (rank 22 of 23).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.37%

Rank 11 of 23

Net Interest Margin

2.65%

Rank 22 of 23

Efficiency Ratio

88.37%

Rank 14 of 23

Equity / Assets

9.39%

Rank 14 of 23

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.37%0.05%0.36%0.99%Beats 52%11 / 23
Return on Equity3.96%0.56%3.49%7.31%Beats 57%10 / 23
Net Interest Margin2.65%3.13%3.48%3.80%Beats 4%22 / 23
Efficiency Ratio88.37%73.94%83.38%93.84%Beats 43%14 / 23
Asset Quality
Nonperforming Loans / Loans0.45%0.43%0.95%1.77%Beats 74%7 / 23
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.39%8.31%9.81%13.01%Beats 39%14 / 23
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.39%8.31%9.81%13.01%Beats 39%14 / 23
Liquidity & Funding
Loans / Deposits78.87%65.11%76.01%85.36%61st pctl9 / 23
Loans / Assets69.27%56.54%66.35%73.30%65th pctl8 / 23
Brokered Deposits / Depositsn/aNot reported for this institution