Lone Tree, CO · Charter 64778
NCUA · 36 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 | 0.48% | 0.52% | 0.60% | 0.60% | 0.69% | 0.74% | 1.04% | 0.88% | +28 bps | |
| Return on Equity | 4.73% | 5.23% | 6.12% | 6.18% | 6.98% | 7.68% | 10.85% | 9.27% | +308 bps | |
| Net Interest Margin | 3.97% | 3.96% | 4.06% | 4.06% | 4.14% | 4.08% | 4.24% | 4.16% | +9 bps | |
| Efficiency Ratio | 64.12% | 63.79% | 62.65% | 61.64% | 60.63% | 60.95% | 57.88% | 58.79% | -285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.87% | 4.93% | 4.11% | 7.00% | 7.52% | 9.29% | 9.35% | 9.50% | +250 bps | |
| Loan Growth (YoY) | 7.20% | 5.54% | 5.30% | 5.79% | 6.12% | 7.64% | 10.10% | 10.67% | +489 bps | |
| Share Growth (YoY) | 7.19% | 4.84% | 4.42% | 7.33% | 8.24% | 9.91% | 9.89% | 8.32% | +99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 1.17% | 0.88% | 0.95% | 1.13% | 1.15% | 1.01% | 1.14% | +19 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 | 10.12% | 9.92% | 9.82% | 9.71% | 9.86% | 9.60% | 9.61% | 9.53% | -18 bps | |
| Net Worth / Assets | 10.12% | 9.92% | 9.82% | 9.71% | 9.86% | 9.60% | 9.61% | 9.53% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.88% | 101.45% | 99.85% | 100.18% | 100.87% | 99.36% | 100.04% | 102.36% | +217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |