PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Weld Community

Greeley, CO · Charter 63122

NCUA · 1 branch

Q2 2026

$109.5MAssets
$57.6MLoans
$96.6MShares
$12.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.80%, down 29 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.16% of loans (+7 bps YoY).
  • Capital: net worth / assets of 11.30%, up 104 bps from a year ago.
  • Funding: loans stand at 59.66% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.80%-29 bps YoY

Net Interest Margin (quarter, annualized)

4.29%+8 bps YoY

Efficiency Ratio (quarter, annualized)

82.40%+475 bps YoY

Net Worth / Assets

11.30%+104 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.10%1.05%1.10%1.08%0.91%0.90%0.80%-29 bps
Return on Equity10.65%10.84%10.44%10.70%9.95%8.26%8.16%7.12%-359 bps
Net Interest Margin4.16%4.14%4.11%4.20%4.39%4.43%4.19%4.29%+8 bps
Efficiency Ratio74.69%74.57%78.11%77.64%78.56%81.79%78.45%82.40%+475 bps
Growth
Asset Growth (YoY)-4.82%-0.27%2.25%4.35%3.90%0.79%-1.14%-2.92%-726 bps
Loan Growth (YoY)-5.07%-8.37%-9.38%-8.41%-8.58%-8.95%-8.96%-10.26%-185 bps
Share Growth (YoY)-5.95%-1.15%1.77%3.86%3.00%-0.17%-2.19%-4.04%-790 bps
Asset Quality
Delinquent Loans / Loans0.25%0.14%0.12%0.09%0.12%0.13%0.04%0.16%+7 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 Capital10.07%10.15%10.02%10.25%10.81%10.97%10.99%11.30%+104 bps
Net Worth / Assets10.07%10.15%10.02%10.25%10.81%10.97%10.99%11.30%+104 bps
Liquidity & Funding
Loans / Shares72.62%69.05%64.48%63.79%64.46%62.98%60.02%59.66%-413 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps