Pueblo, CO · Charter 65082
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 | 0.95% | 0.92% | 0.89% | 1.00% | 0.90% | 0.91% | 0.72% | 0.79% | -21 bps | |
| Return on Equity | 8.32% | 8.09% | 7.95% | 8.83% | 7.81% | 7.90% | 6.31% | 6.79% | -203 bps | |
| Net Interest Margin | 3.44% | 3.47% | 3.61% | 3.64% | 3.70% | 3.70% | 3.81% | 3.84% | +20 bps | |
| Efficiency Ratio | 69.42% | 68.89% | 69.79% | 67.79% | 68.82% | 68.51% | 70.27% | 69.04% | +125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.36% | 3.33% | 3.34% | 4.57% | 6.01% | 6.53% | 4.51% | 3.68% | -89 bps | |
| Loan Growth (YoY) | 11.62% | 7.31% | 4.23% | 4.43% | 3.90% | 9.37% | 12.69% | 11.79% | +736 bps | |
| Share Growth (YoY) | 1.83% | 2.49% | 2.26% | 3.40% | 5.21% | 5.44% | 3.64% | 2.51% | -89 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 1.18% | 0.85% | 1.16% | 1.01% | 0.90% | 0.53% | 1.19% | +3 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 | 11.38% | 11.37% | 11.21% | 11.39% | 11.50% | 11.46% | 11.47% | 11.67% | +28 bps | |
| Net Worth / Assets | 11.38% | 11.37% | 11.21% | 11.39% | 11.50% | 11.46% | 11.47% | 11.67% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.84% | 78.24% | 74.17% | 75.42% | 79.83% | 81.15% | 80.64% | 82.25% | +683 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |