Commerce City, CO · Charter 66012
NCUA · 2 branches
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 in the Denver-Aurora-Centennial, CO area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
29
Profitability
49
Liquidity
0
Efficiency
21
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.
Commerce City, CO · Charter 66012
NCUA · 2 branches
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 | 0.65% | 0.83% | 0.94% | 0.86% | 0.50% | 0.56% | 0.32% | 0.20% | -66 bps | |
| Return on Equity | 4.84% | 6.04% | 6.59% | 5.95% | 3.42% | 3.80% | 2.17% | 1.36% | -459 bps | |
| Net Interest Margin | 3.12% | 3.24% | 3.38% | 3.32% | 3.46% | 3.50% | 3.59% | 3.59% | +27 bps | |
| Efficiency Ratio | 83.83% | 80.09% | 78.33% | 79.82% | 86.53% | 86.19% | 92.10% | 95.04% | +1,522 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.16% | 0.33% | -1.22% | -1.81% | -2.08% | -2.34% | -2.64% | -0.22% | +158 bps | |
| Loan Growth (YoY) | 3.49% | 4.48% | 3.66% | -3.77% | -8.07% | -11.46% | -11.01% | -9.88% | -611 bps | |
| Share Growth (YoY) | -5.21% | -3.31% | -2.15% | -2.92% | -3.21% | -3.46% | -3.42% | -0.28% | +265 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.49% | 0.40% | 1.75% | 1.30% | 1.89% | 2.27% | 1.23% | -51 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 | 13.46% | 13.77% | 14.22% | 14.54% | 14.54% | 14.79% | 14.98% | 14.75% | +21 bps | |
| Net Worth / Assets | 13.46% | 13.77% | 14.22% | 14.54% | 14.54% | 14.79% | 14.98% | 14.75% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.10% | 60.97% | 60.28% | 59.70% | 57.09% | 55.92% | 55.54% | 53.95% | -575 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Commerce City, CO · Charter 66012 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=24)
NCUA · 2 branches
Q4 2025
Return on Assets
0.20%
Rank 13 of 24
Net Interest Margin
3.59%
Rank 10 of 24
Efficiency Ratio
95.04%
Rank 20 of 24
Equity / Assets
14.75%
Rank 4 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.20% | 0.06% | 0.27% | 0.71% | Beats 46% | 13 / 24 | ||
| Return on Equity | 1.36% | 0.78% | 2.83% | 4.98% | Beats 42% | 14 / 24 | ||
| Net Interest Margin | 3.59% | 3.28% | 3.46% | 3.94% | Beats 58% | 10 / 24 | ||
| Efficiency Ratio | 95.04% | 77.98% | 85.16% | 92.14% | Beats 21% | 20 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.24% | 0.42% | 0.85% | 1.24% | Beats 29% | 18 / 24 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.75% | 8.96% | 10.66% | 13.10% | Beats 83% | 4 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.75% | 8.96% | 10.66% | 13.10% | Beats 83% | 4 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.95% | 64.54% | 75.37% | 86.51% | 4th pctl | 23 / 24 | ||
| Loans / Assets | 43.43% | 55.14% | 65.15% | 73.44% | 4th pctl | 23 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||