PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Guadalupe Parish

Antonito, CO · Charter 65471

NCUA · 3 branches

Q2 2026

$42.0MAssets
$26.9MLoans
$31.4MShares
$10.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.29%, down 9 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.19% of loans (+7 bps YoY).
  • Capital: net worth / assets of 24.97%, up 60 bps from a year ago.
  • Funding: loans stand at 85.80% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.29%-9 bps YoY

Net Interest Margin (quarter, annualized)

2.96%+15 bps YoY

Efficiency Ratio (quarter, annualized)

64.26%+260 bps YoY

Net Worth / Assets

24.97%+60 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.96%0.88%1.38%1.33%1.29%1.08%1.29%-9 bps
Return on Equity3.70%3.95%3.69%5.68%5.39%5.26%4.44%5.18%-50 bps
Net Interest Margin2.57%2.59%2.63%2.81%2.88%2.88%2.85%2.96%+15 bps
Efficiency Ratio70.81%69.01%72.23%61.66%63.06%63.05%67.66%64.26%+260 bps
Growth
Asset Growth (YoY)4.27%4.60%5.11%5.77%3.82%4.10%3.44%2.77%-300 bps
Loan Growth (YoY)2.83%2.66%3.26%3.93%5.35%3.20%5.62%3.42%-51 bps
Share Growth (YoY)4.88%5.40%6.12%6.60%3.56%3.58%2.96%2.22%-438 bps
Asset Quality
Delinquent Loans / Loans0.10%0.11%0.09%0.13%0.26%0.26%0.21%0.19%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital24.24%24.23%23.83%24.37%24.63%24.57%24.36%24.97%+60 bps
Net Worth / Assets24.24%24.23%23.83%24.37%24.63%24.57%24.36%24.97%+60 bps
Liquidity & Funding
Loans / Shares85.92%84.48%82.62%84.81%87.41%84.16%84.75%85.80%+100 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps