Pueblo, CO · Charter 64037
NCUA · 4 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
23
Profitability
32
Liquidity
45
Efficiency
42
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.
Pueblo, CO · Charter 64037
NCUA · 4 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 | 0.54% | 0.73% | 2.66% | 1.84% | 1.65% | 1.38% | 0.06% | 0.35% | -149 bps | |
| Return on Equity | 4.49% | 6.11% | 21.67% | 14.72% | 13.07% | 11.17% | 0.50% | 3.05% | -1,167 bps | |
| Net Interest Margin | 3.72% | 3.85% | 3.87% | 4.00% | 3.93% | 3.92% | 3.69% | 3.69% | -31 bps | |
| Efficiency Ratio | 81.34% | 79.97% | 56.50% | 62.67% | 65.79% | 68.50% | 83.70% | 80.97% | +1,830 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.41% | 1.33% | 2.93% | 4.30% | 6.86% | 7.63% | 29.23% | 28.88% | +2,458 bps | |
| Loan Growth (YoY) | -3.87% | -0.80% | -1.96% | -0.18% | 0.78% | -4.52% | 18.45% | 19.05% | +1,923 bps | |
| Share Growth (YoY) | -0.35% | 1.59% | 2.21% | 3.88% | 6.31% | 5.80% | 30.25% | 30.00% | +2,613 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 1.33% | 1.70% | 2.04% | 2.47% | 2.86% | 1.69% | 1.40% | -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 | 11.99% | 12.00% | 12.25% | 12.48% | 12.62% | 12.38% | 11.23% | 11.39% | -109 bps | |
| Net Worth / Assets | 11.99% | 12.00% | 12.25% | 12.48% | 12.62% | 12.38% | 11.23% | 11.39% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.51% | 59.79% | 57.44% | 57.21% | 56.42% | 53.96% | 52.24% | 52.39% | -482 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pueblo, CO · Charter 64037 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.35%
Rank 1,270 of 1,683
Net Interest Margin
3.69%
Rank 950 of 1,683
Efficiency Ratio
80.96%
Rank 976 of 1,682
Equity / Assets
11.39%
Rank 1,092 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.35% | 0.35% | 0.74% | 1.18% | Beats 25% | 1,270 / 1,683 | ||
| Return on Equity | 3.05% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,206 / 1,681 | ||
| Net Interest Margin | 3.69% | 3.31% | 3.82% | 4.32% | Beats 43% | 950 / 1,683 | ||
| Efficiency Ratio | 80.96% | 68.91% | 78.20% | 86.93% | Beats 42% | 976 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.40% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,296 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.39% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,092 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.39% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,092 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.39% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,271 / 1,683 | ||
| Loans / Assets | 46.18% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,222 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||