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 | |