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 | |