Salida, CO · Charter 63704
NCUA · 3 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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 (n=1,622 to 1,625). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
57
Profitability
10
Liquidity
29
Efficiency
2
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.
Salida, CO · Charter 63704
NCUA · 3 branches
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | -1.76% | -0.77% | -0.45% | -1.48% | -159 bps | |
| Return on Equity | 1.42% | -24.22% | -10.35% | -6.20% | -22.79% | -2,421 bps | |
| Net Interest Margin | 3.48% | 3.19% | 3.24% | 3.22% | 3.32% | -16 bps | |
| Efficiency Ratio | 89.42% | 98.05% | 96.15% | 96.33% | 121.03% | +3,161 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.86% | -2.82% | -5.01% | -1.47% | 0.41% | +927 bps | |
| Loan Growth (YoY) | -8.03% | -12.15% | -12.04% | -9.76% | -9.56% | -153 bps | |
| Share Growth (YoY) | -9.68% | -3.12% | -5.34% | -1.35% | 1.50% | +1,117 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.23% | 0.46% | 1.47% | 0.40% | 0.59% | -64 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.05% | 7.25% | 7.40% | 7.33% | 6.49% | -156 bps | |
| Net Worth / Assets | 8.05% | 7.25% | 7.40% | 7.33% | 6.49% | -156 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.49% | 50.58% | 52.38% | 49.49% | 49.44% | -604 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salida, CO · Charter 63704 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 3 branches
Q4 2025
Return on Assets
-1.48%
Rank 1,590 of 1,625
Net Interest Margin
3.32%
Rank 1,166 of 1,625
Efficiency Ratio
120.98%
Rank 1,590 of 1,622
Equity / Assets
6.49%
Rank 1,612 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.48% | 0.37% | 0.76% | 1.21% | Beats 2% | 1,590 / 1,625 | |
| Return on Equity | -22.81% | 2.80% | 6.06% | 8.96% | Beats 1% | 1,602 / 1,623 | |
| Net Interest Margin | 3.32% | 3.25% | 3.80% | 4.36% | Beats 28% | 1,166 / 1,625 | |
| Efficiency Ratio | 120.98% | 68.56% | 77.08% | 85.11% | Beats 2% | 1,590 / 1,622 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.58% | 0.28% | 0.70% | 1.35% | Beats 57% | 700 / 1,623 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 6.49% | 10.44% | 12.79% | 16.54% | Beats 1% | 1,613 / 1,625 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 6.49% | 10.44% | 12.79% | 16.54% | Beats 1% | 1,612 / 1,624 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.44% | 54.72% | 71.33% | 84.54% | 20th pctl | 1,307 / 1,624 | |
| Loans / Assets | 45.91% | 46.04% | 60.45% | 71.73% | 25th pctl | 1,222 / 1,624 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||