Yuma, CO · Charter 6424
NCUA · 2 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
50
Asset Quality
100
Profitability
49
Liquidity
44
Efficiency
68
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.
Yuma, CO · Charter 6424
NCUA · 2 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 | 0.82% | 0.76% | 1.14% | 1.44% | 1.40% | 1.30% | 0.82% | 0.91% | -52 bps | |
| Return on Equity | 7.77% | 7.09% | 10.21% | 12.07% | 11.18% | 10.47% | 6.51% | 7.08% | -499 bps | |
| Net Interest Margin | 2.70% | 2.75% | 3.09% | 3.55% | 3.55% | 3.44% | 3.24% | 3.30% | -25 bps | |
| Efficiency Ratio | 73.56% | 75.90% | 67.50% | 64.00% | 64.93% | 66.22% | 70.69% | 71.90% | +790 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.17% | 11.38% | 5.93% | -0.96% | -6.90% | -4.17% | -1.80% | 0.64% | +159 bps | |
| Loan Growth (YoY) | -1.02% | 2.70% | 3.72% | 7.13% | 5.65% | 1.53% | 0.81% | 1.68% | -545 bps | |
| Share Growth (YoY) | 18.29% | 12.03% | 5.88% | -3.71% | -10.04% | -6.06% | -3.38% | -0.48% | +323 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0 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 | 0.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.54% | 10.68% | 11.16% | 11.89% | 12.53% | 12.45% | 12.53% | 12.92% | +103 bps | |
| Net Worth / Assets | 10.54% | 10.68% | 11.16% | 11.89% | 12.53% | 12.45% | 12.53% | 12.92% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.65% | 45.24% | 46.25% | 51.17% | 52.44% | 48.89% | 48.25% | 52.28% | +111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Yuma, CO · Charter 6424 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.91%
Rank 668 of 1,683
Net Interest Margin
3.29%
Rank 1,276 of 1,683
Efficiency Ratio
71.88%
Rank 532 of 1,682
Equity / Assets
12.92%
Rank 838 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.35% | 0.74% | 1.18% | Beats 60% | 668 / 1,683 | ||
| Return on Equity | 7.07% | 2.67% | 5.89% | 8.74% | Beats 62% | 645 / 1,681 | ||
| Net Interest Margin | 3.29% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,276 / 1,683 | ||
| Efficiency Ratio | 71.88% | 68.91% | 78.20% | 86.93% | Beats 68% | 532 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.92% | 10.44% | 12.89% | 16.53% | Beats 50% | 838 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.92% | 10.44% | 12.89% | 16.53% | Beats 50% | 838 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.28% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,272 / 1,683 | ||
| Loans / Assets | 44.55% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,267 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||