Walsenburg, CO · Charter 65636
NCUA · 1 branch
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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 (n=1,622 to 1,625). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
10
Profitability
7
Liquidity
53
Efficiency
2
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.
Walsenburg, CO · Charter 65636
NCUA · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.23% | -1.05% | -0.87% | -0.79% | -0.89% | -0.66% | -0.57% | -0.50% | +29 bps | |
| Return on Equity | -6.23% | -5.28% | -4.48% | -4.07% | -4.66% | -3.53% | -3.15% | -2.82% | +125 bps | |
| Net Interest Margin | 2.37% | 2.55% | 2.64% | 2.69% | 2.70% | 2.75% | 2.74% | 2.73% | +4 bps | |
| Efficiency Ratio | 150.91% | 140.54% | 132.52% | 128.90% | 132.21% | 123.46% | 120.29% | 117.82% | -1,109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.55% | -11.78% | -8.53% | -1.29% | -0.14% | 3.34% | 5.23% | 6.91% | +820 bps | |
| Loan Growth (YoY) | 23.28% | 19.78% | 12.16% | 7.42% | 1.49% | 1.42% | 5.83% | 9.37% | +194 bps | |
| Share Growth (YoY) | -11.90% | -4.90% | -0.32% | -0.65% | 0.67% | 4.93% | 7.22% | 9.27% | +992 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.47% | 4.33% | 4.07% | 4.21% | 1.62% | 1.86% | 1.83% | 2.65% | -156 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 | 3.92% | 3.83% | 3.95% | 4.00% | 2.30% | 2.17% | 2.14% | 1.61% | -239 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.72% | 19.86% | 19.49% | 19.45% | 19.05% | 18.63% | 17.98% | 17.70% | -176 bps | |
| Net Worth / Assets | 19.72% | 19.86% | 19.49% | 19.45% | 19.05% | 18.63% | 17.98% | 17.70% | -176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.65% | 57.40% | 55.07% | 56.64% | 55.09% | 55.48% | 54.36% | 56.68% | +5 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Walsenburg, CO · Charter 65636 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 1 branch
Q4 2025
Return on Assets
-0.49%
Rank 1,529 of 1,625
Net Interest Margin
2.73%
Rank 1,470 of 1,625
Efficiency Ratio
117.57%
Rank 1,585 of 1,622
Equity / Assets
17.69%
Rank 333 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.49% | 0.37% | 0.76% | 1.21% | Beats 6% | 1,529 / 1,625 | ||
| Return on Equity | -2.79% | 2.80% | 6.06% | 8.96% | Beats 6% | 1,518 / 1,623 | ||
| Net Interest Margin | 2.73% | 3.25% | 3.80% | 4.36% | Beats 10% | 1,470 / 1,625 | ||
| Efficiency Ratio | 117.57% | 68.56% | 77.08% | 85.11% | Beats 2% | 1,585 / 1,622 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.66% | 0.28% | 0.70% | 1.35% | Beats 10% | 1,466 / 1,623 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.70% | 10.44% | 12.79% | 16.54% | Beats 80% | 333 / 1,625 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.69% | 10.44% | 12.79% | 16.54% | Beats 79% | 333 / 1,624 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.68% | 54.72% | 71.33% | 84.54% | 28th pctl | 1,175 / 1,624 | ||
| Loans / Assets | 46.62% | 46.04% | 60.45% | 71.73% | 26th pctl | 1,204 / 1,624 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||