Lakewood, CO · Charter 64342
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
71
Profitability
33
Liquidity
36
Efficiency
49
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.
Lakewood, CO · Charter 64342
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 | 0.14% | 0.12% | 0.28% | 0.29% | 0.46% | 0.29% | 0.56% | 0.64% | +34 bps | |
| Return on Equity | 1.16% | 1.02% | 2.33% | 2.42% | 3.69% | 2.40% | 4.56% | 5.03% | +261 bps | |
| Net Interest Margin | 2.59% | 2.63% | 2.83% | 2.97% | 3.03% | 3.06% | 3.22% | 3.30% | +33 bps | |
| Efficiency Ratio | 82.55% | 80.82% | 80.79% | 78.78% | 75.84% | 77.77% | 72.59% | 71.99% | -679 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.00% | -19.52% | -19.23% | 2.11% | 1.15% | 1.66% | -0.32% | -0.52% | -263 bps | |
| Loan Growth (YoY) | 8.00% | 9.05% | 7.72% | 4.73% | 2.45% | -0.53% | -0.26% | 0.73% | -400 bps | |
| Share Growth (YoY) | 4.13% | 2.02% | 1.51% | 0.49% | 0.17% | -0.03% | -1.51% | -1.12% | -161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.91% | 0.89% | 0.93% | 0.96% | 0.71% | 0.42% | 0.48% | -45 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 | 12.26% | 12.23% | 11.98% | 12.18% | 12.41% | 12.25% | 12.32% | 12.64% | +46 bps | |
| Net Worth / Assets | 12.26% | 12.23% | 11.98% | 12.18% | 12.41% | 12.25% | 12.32% | 12.64% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.74% | 71.92% | 70.71% | 71.95% | 72.36% | 71.56% | 71.61% | 73.30% | +135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lakewood, CO · Charter 64342 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 2 branches
Q2 2026
Return on Assets
0.64%
Rank 299 of 435
Net Interest Margin
3.30%
Rank 243 of 435
Efficiency Ratio
71.99%
Rank 222 of 435
Equity / Assets
12.64%
Rank 108 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.55% | 0.81% | 1.14% | Beats 31% | 299 / 435 | ||
| Return on Equity | 5.03% | 5.12% | 7.41% | 9.70% | Beats 24% | 330 / 435 | ||
| Net Interest Margin | 3.30% | 3.01% | 3.39% | 3.75% | Beats 44% | 243 / 435 | ||
| Efficiency Ratio | 71.99% | 65.25% | 71.39% | 77.86% | Beats 49% | 222 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.45% | 0.69% | 1.05% | Beats 71% | 126 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.64% | 9.81% | 10.84% | 12.63% | Beats 75% | 108 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.64% | 9.81% | 10.84% | 12.63% | Beats 75% | 108 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.30% | 78.33% | 88.38% | 95.61% | 17th pctl | 360 / 435 | ||
| Loans / Assets | 65.34% | 67.69% | 74.58% | 80.80% | 20th pctl | 349 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||