Lamar, CO · Charter 64852
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 1.03% | 1.06% | 0.69% | 1.02% | -10 bps | |
| Return on Equity | 11.41% | 10.59% | 11.04% | 6.47% | 9.15% | -225 bps | |
| Net Interest Margin | 4.42% | 4.31% | 4.27% | 4.18% | 4.39% | -3 bps | |
| Efficiency Ratio | 77.71% | 77.77% | 76.16% | 85.73% | 79.65% | +193 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.37% | 11.90% | 11.88% | 25.84% | 23.24% | +1,286 bps | |
| Loan Growth (YoY) | 11.58% | 14.93% | 12.50% | 19.43% | 19.51% | +793 bps | |
| Share Growth (YoY) | 9.47% | 11.38% | 12.81% | 24.32% | 22.29% | +1,282 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.80% | 9.73% | 9.65% | 10.62% | 11.10% | +130 bps | |
| Net Worth / Assets | 9.80% | 9.73% | 9.65% | 10.62% | 11.10% | +130 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |