Golden, CO · Charter 64913
NCUA · 3 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 | 0.19% | 0.18% | 0.03% | 0.18% | 0.20% | 0.27% | 3.12% | 2.26% | +208 bps | |
| Return on Equity | 2.05% | 1.81% | 0.35% | 1.87% | 2.21% | 2.93% | 34.09% | 24.55% | +2,268 bps | |
| Net Interest Margin | 3.23% | 3.32% | 3.29% | 3.40% | 3.22% | 3.21% | 2.95% | 2.92% | -48 bps | |
| Efficiency Ratio | 86.59% | 86.17% | 83.74% | 83.05% | 83.55% | 83.10% | 49.42% | 57.01% | -2,604 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.35% | -2.49% | -4.02% | -6.00% | 3.83% | 9.04% | 16.34% | 22.63% | +2,864 bps | |
| Loan Growth (YoY) | 1.57% | -2.89% | -5.35% | -6.08% | -6.43% | -1.80% | 1.57% | 2.21% | +829 bps | |
| Share Growth (YoY) | 2.11% | 4.13% | 3.11% | 1.18% | 4.88% | 3.68% | 10.26% | 16.57% | +1,539 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.54% | 0.86% | 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 | 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 | 9.32% | 9.68% | 9.49% | 9.73% | 9.13% | 9.13% | 9.16% | 9.21% | -52 bps | |
| Net Worth / Assets | 9.32% | 9.68% | 9.49% | 9.73% | 9.13% | 9.13% | 9.16% | 9.21% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.92% | 92.33% | 89.12% | 89.05% | 86.47% | 87.46% | 82.10% | 78.08% | -1,097 bps | |
| Liquid Assets / Assets | 0.00% | 100.00% | 0.00% | 0.00% | 98.78% | 96.17% | 0.00% | 0.00% | 0 bps | |