Commerce City, CO · Charter 66012
NCUA · 2 branches
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 | 0.86% | 0.50% | 0.56% | 0.32% | 0.20% | -66 bps | |
| Return on Equity | 5.95% | 3.42% | 3.80% | 2.17% | 1.36% | -459 bps | |
| Net Interest Margin | 3.32% | 3.46% | 3.50% | 3.59% | 3.59% | +27 bps | |
| Efficiency Ratio | 79.82% | 86.53% | 86.19% | 92.10% | 95.04% | +1,522 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.81% | -2.08% | -2.34% | -2.64% | -0.22% | +158 bps | |
| Loan Growth (YoY) | -3.77% | -8.07% | -11.46% | -11.01% | -9.88% | -611 bps | |
| Share Growth (YoY) | -2.92% | -3.21% | -3.46% | -3.42% | -0.28% | +265 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.54% | 14.54% | 14.79% | 14.98% | 14.75% | +21 bps | |
| Net Worth / Assets | 14.54% | 14.54% | 14.79% | 14.98% | 14.75% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |