PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Yuma County

Yuma, CO · Charter 6424

NCUA · 2 branches

Q2 2026

$53.0MAssets
$23.6MLoans
$45.2MShares
$6.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.91%, down 52 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.92%, up 103 bps from a year ago.
  • Funding: loans stand at 52.28% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.91%-52 bps YoY

Net Interest Margin (quarter, annualized)

3.30%-25 bps YoY

Efficiency Ratio (quarter, annualized)

71.90%+790 bps YoY

Net Worth / Assets

12.92%+103 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.40%1.30%0.82%0.91%-52 bps
Return on Equity12.07%11.18%10.47%6.51%7.08%-499 bps
Net Interest Margin3.55%3.55%3.44%3.24%3.30%-25 bps
Efficiency Ratio64.00%64.93%66.22%70.69%71.90%+790 bps
Growth
Asset Growth (YoY)-0.96%-6.90%-4.17%-1.80%0.64%+159 bps
Loan Growth (YoY)7.13%5.65%1.53%0.81%1.68%-545 bps
Share Growth (YoY)-3.71%-10.04%-6.06%-3.38%-0.48%+323 bps
Asset Quality
Delinquent Loans / Loans0.00%0.02%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.89%12.53%12.45%12.53%12.92%+103 bps
Net Worth / Assets11.89%12.53%12.45%12.53%12.92%+103 bps
Liquidity & Funding
Loans / Shares51.17%52.44%48.89%48.25%52.28%+111 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps