Golden, CO · Charter 64913
NCUA · 3 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 in the Denver-Aurora-Centennial, CO area (n=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
35
Profitability
68
Liquidity
90
Efficiency
100
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.
Golden, CO · Charter 64913
NCUA · 3 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 | 0.18% | 0.20% | 0.27% | 3.12% | 2.26% | +208 bps | |
| Return on Equity | 1.87% | 2.21% | 2.93% | 34.09% | 24.55% | +2,268 bps | |
| Net Interest Margin | 3.40% | 3.22% | 3.21% | 2.95% | 2.92% | -48 bps | |
| Efficiency Ratio | 83.05% | 83.55% | 83.10% | 49.42% | 57.01% | -2,604 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.00% | 3.83% | 9.04% | 16.34% | 22.63% | +2,864 bps | |
| Loan Growth (YoY) | -6.08% | -6.43% | -1.80% | 1.57% | 2.21% | +829 bps | |
| Share Growth (YoY) | 1.18% | 4.88% | 3.68% | 10.26% | 16.57% | +1,539 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 1.16% | 1.05% | 1.25% | 1.38% | +45 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 | 9.73% | 9.13% | 9.13% | 9.16% | 9.21% | -52 bps | |
| Net Worth / Assets | 9.73% | 9.13% | 9.13% | 9.16% | 9.21% | -52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.05% | 86.47% | 87.46% | 82.10% | 78.08% | -1,097 bps | |
| Liquid Assets / Assets | 0.00% | 98.78% | 96.17% | 0.00% | 0.00% | 0 bps | |
Golden, CO · Charter 64913 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)
NCUA · 3 branches
Q2 2026
Return on Assets
2.26%
Rank 1 of 23
Net Interest Margin
2.92%
Rank 20 of 23
Efficiency Ratio
57.00%
Rank 1 of 23
Equity / Assets
9.21%
Rank 16 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.26% | 0.05% | 0.36% | 0.99% | Beats 96% | 1 / 23 | |
| Return on Equity | 24.55% | 0.56% | 3.49% | 7.31% | Beats 96% | 1 / 23 | |
| Net Interest Margin | 2.92% | 3.13% | 3.48% | 3.80% | Beats 13% | 20 / 23 | |
| Efficiency Ratio | 57.00% | 73.94% | 83.38% | 93.84% | Beats 100% | 1 / 23 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.38% | 0.43% | 0.95% | 1.77% | Beats 35% | 16 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.21% | 8.31% | 9.81% | 13.01% | Beats 30% | 16 / 23 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.21% | 8.31% | 9.81% | 13.01% | Beats 30% | 16 / 23 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.08% | 65.11% | 76.01% | 85.36% | 57th pctl | 10 / 23 | |
| Loans / Assets | 64.55% | 56.54% | 66.35% | 73.30% | 43rd pctl | 13 / 23 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||