Lamar, CO · Charter 64852
NCUA · 5 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
33
Asset Quality
41
Profitability
73
Liquidity
0
Efficiency
45
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.
Lamar, CO · Charter 64852
NCUA · 5 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 | 0.95% | 0.69% | 0.79% | 1.12% | 1.03% | 1.06% | 0.69% | 1.02% | -10 bps | |
| Return on Equity | 9.51% | 7.22% | 8.36% | 11.41% | 10.59% | 11.04% | 6.47% | 9.15% | -225 bps | |
| Net Interest Margin | 4.51% | 4.32% | 4.36% | 4.42% | 4.31% | 4.27% | 4.18% | 4.39% | -3 bps | |
| Efficiency Ratio | 77.52% | 79.17% | 83.04% | 77.71% | 77.77% | 76.16% | 85.73% | 79.65% | +193 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.79% | 15.49% | 8.20% | 10.37% | 11.90% | 11.88% | 25.84% | 23.24% | +1,286 bps | |
| Loan Growth (YoY) | 11.75% | 12.51% | 12.57% | 11.58% | 14.93% | 12.50% | 19.43% | 19.51% | +793 bps | |
| Share Growth (YoY) | 13.78% | 14.17% | 7.91% | 9.47% | 11.38% | 12.81% | 24.32% | 22.29% | +1,282 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.67% | 0.12% | 0.97% | 1.16% | 1.26% | 0.90% | 0.86% | -12 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 | 10.01% | 9.60% | 9.51% | 9.80% | 9.73% | 9.65% | 10.62% | 11.10% | +130 bps | |
| Net Worth / Assets | 10.01% | 9.60% | 9.51% | 9.80% | 9.73% | 9.65% | 10.62% | 11.10% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.14% | 98.66% | 98.35% | 101.35% | 102.31% | 98.39% | 94.48% | 99.04% | -230 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lamar, CO · Charter 64852 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.02%
Rank 581 of 1,683
Net Interest Margin
4.39%
Rank 385 of 1,683
Efficiency Ratio
79.67%
Rank 918 of 1,682
Equity / Assets
11.10%
Rank 1,129 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 0.35% | 0.74% | 1.18% | Beats 65% | 581 / 1,683 | ||
| Return on Equity | 9.14% | 2.67% | 5.89% | 8.74% | Beats 78% | 376 / 1,681 | ||
| Net Interest Margin | 4.39% | 3.31% | 3.82% | 4.32% | Beats 77% | 385 / 1,683 | ||
| Efficiency Ratio | 79.67% | 68.91% | 78.20% | 86.93% | Beats 45% | 918 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.26% | 0.65% | 1.29% | Beats 41% | 1,002 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.10% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,129 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.10% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,129 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.04% | 52.61% | 69.38% | 83.50% | 96th pctl | 66 / 1,683 | ||
| Loans / Assets | 87.17% | 44.71% | 59.18% | 70.72% | 99th pctl | 23 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||