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 | |