PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Choice

Commerce City, CO · Charter 66012

NCUA · 2 branches

Q4 2025

$96.9MAssets
$42.1MLoans
$78.0MShares
$14.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.20%, down 66 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 1.23% of loans (-51 bps YoY).
  • Capital: net worth / assets of 14.75%, up 21 bps from a year ago.
  • Funding: loans stand at 53.95% of shares as of Q4 2025.

Return on Assets (YTD, annualized)

0.20%-66 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+27 bps YoY

Efficiency Ratio (YTD, annualized)

95.04%+1,522 bps YoY

Net Worth / Assets

14.75%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.65%0.83%0.94%0.86%0.50%0.56%0.32%0.20%-66 bps
Return on Equity4.84%6.04%6.59%5.95%3.42%3.80%2.17%1.36%-459 bps
Net Interest Margin3.12%3.24%3.38%3.32%3.46%3.50%3.59%3.59%+27 bps
Efficiency Ratio83.83%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 / Loans0.33%0.49%0.40%1.75%1.30%1.89%2.27%1.23%-51 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 Capital13.46%13.77%14.22%14.54%14.54%14.79%14.98%14.75%+21 bps
Net Worth / Assets13.46%13.77%14.22%14.54%14.54%14.79%14.98%14.75%+21 bps
Liquidity & Funding
Loans / Shares60.10%60.97%60.28%59.70%57.09%55.92%55.54%53.95%-575 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps