Walsenburg, CO · Charter 65636
NCUA · 1 branch
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | -0.89% | -0.66% | -0.57% | -0.50% | +29 bps | |
| Return on Equity | -4.07% | -4.66% | -3.53% | -3.15% | -2.82% | +125 bps | |
| Net Interest Margin | 2.69% | 2.70% | 2.75% | 2.74% | 2.73% | +4 bps | |
| Efficiency Ratio | 128.90% | 132.21% | 123.46% | 120.29% | 117.82% | -1,109 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.29% | -0.14% | 3.34% | 5.23% | 6.91% | +820 bps | |
| Loan Growth (YoY) | 7.42% | 1.49% | 1.42% | 5.83% | 9.37% | +194 bps | |
| Share Growth (YoY) | -0.65% | 0.67% | 4.93% | 7.22% | 9.27% | +992 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 4.00% | 2.30% | 2.17% | 2.14% | 1.61% | -239 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.45% | 19.05% | 18.63% | 17.98% | 17.70% | -176 bps | |
| Net Worth / Assets | 19.45% | 19.05% | 18.63% | 17.98% | 17.70% | -176 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |