Salida, CO · Charter 63704
NCUA · 3 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | -0.16% | 0.08% | 0.11% | -1.76% | -0.77% | -0.45% | -1.48% | -159 bps | |
| Return on Equity | 3.20% | -2.14% | 1.04% | 1.42% | -24.22% | -10.35% | -6.20% | -22.79% | -2,421 bps | |
| Net Interest Margin | 3.16% | 3.11% | 3.30% | 3.48% | 3.19% | 3.24% | 3.22% | 3.32% | -16 bps | |
| Efficiency Ratio | 90.32% | 91.18% | 88.84% | 89.42% | 98.05% | 96.15% | 96.33% | 121.03% | +3,161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.01% | -0.99% | -5.65% | -8.86% | -2.82% | -5.01% | -1.47% | 0.41% | +927 bps | |
| Loan Growth (YoY) | 2.20% | -2.41% | -5.88% | -8.03% | -12.15% | -12.04% | -9.76% | -9.56% | -153 bps | |
| Share Growth (YoY) | 0.22% | 0.20% | -6.35% | -9.68% | -3.12% | -5.34% | -1.35% | 1.50% | +1,117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 2.22% | 0.77% | 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 | 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 | 7.47% | 7.26% | 7.55% | 8.05% | 7.25% | 7.40% | 7.33% | 6.49% | -156 bps | |
| Net Worth / Assets | 7.47% | 7.26% | 7.55% | 8.05% | 7.25% | 7.40% | 7.33% | 6.49% | -156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.78% | 56.37% | 54.10% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |