Arvada, CO · Charter 62903
NCUA · 5 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
39
Asset Quality
74
Profitability
38
Liquidity
87
Efficiency
43
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 62903
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.26% | 0.16% | 0.37% | 0.43% | 0.29% | 0.47% | 0.37% | +1 bps | |
| Return on Equity | 3.20% | 1.99% | 1.50% | 3.73% | 4.45% | 3.09% | 4.97% | 3.96% | +24 bps | |
| Net Interest Margin | 2.19% | 2.09% | 2.68% | 2.81% | 2.80% | 2.69% | 2.64% | 2.65% | -16 bps | |
| Efficiency Ratio | 74.26% | 79.53% | 83.10% | 82.62% | 81.14% | 84.76% | 90.75% | 88.37% | +575 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.87% | -1.66% | -4.01% | -0.06% | 4.69% | 2.55% | 7.11% | 7.19% | +725 bps | |
| Loan Growth (YoY) | -0.54% | -8.54% | -9.12% | -2.96% | 2.81% | 7.10% | 8.19% | 6.60% | +956 bps | |
| Share Growth (YoY) | -11.41% | -0.80% | 0.21% | 6.10% | 11.26% | 1.47% | 10.07% | 8.52% | +242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.69% | 0.73% | 0.62% | 0.70% | 0.47% | 0.37% | 0.45% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.04% | 13.22% | 10.71% | 9.79% | 9.64% | 9.27% | 9.38% | 9.39% | -40 bps | |
| Net Worth / Assets | 14.04% | 13.22% | 10.71% | 9.79% | 9.64% | 9.27% | 9.38% | 9.39% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.62% | 77.62% | 78.88% | 80.29% | 79.12% | 81.93% | 77.53% | 78.87% | -142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.37% | 0.05% | 0.36% | 0.99% | Beats 52% | 11 / 23 | ||
| Return on Equity | 3.96% | 0.56% | 3.49% | 7.31% | Beats 57% | 10 / 23 | ||
| Net Interest Margin | 2.65% | 3.13% | 3.48% | 3.80% | Beats 4% | 22 / 23 | ||
| Efficiency Ratio | 88.37% | 73.94% | 83.38% | 93.84% | Beats 43% | 14 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.43% | 0.95% | 1.77% | Beats 74% | 7 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.39% | 8.31% | 9.81% | 13.01% | Beats 39% | 14 / 23 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.39% | 8.31% | 9.81% | 13.01% | Beats 39% | 14 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.87% | 65.11% | 76.01% | 85.36% | 61st pctl | 9 / 23 | ||
| Loans / Assets | 69.27% | 56.54% | 66.35% | 73.30% | 65th pctl | 8 / 23 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||