On Tap
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
$474.0MAssets
$306.0MLoans
$391.8MShares
$43.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (rank 1 of 23).
- Widest gap: net interest margin trails 87% of credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (rank 20 of 23).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |