Springfield, CO · Charter 66155
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
82
Profitability
82
Liquidity
0
Efficiency
75
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.
Springfield, CO · Charter 66155
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.29% | 1.18% | 1.44% | 1.56% | 1.56% | 1.64% | 1.57% | +13 bps | |
| Return on Equity | 0.44% | 1.57% | 6.63% | 8.12% | 8.27% | 8.22% | 8.48% | 8.10% | -3 bps | |
| Net Interest Margin | 4.23% | 4.08% | 4.19% | 4.30% | 4.60% | 4.65% | 4.90% | 4.86% | +56 bps | |
| Efficiency Ratio | 75.09% | 76.19% | 74.26% | 69.25% | 68.87% | 68.99% | 68.76% | 68.88% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.07% | 5.58% | 7.21% | 12.13% | 8.47% | 4.83% | 0.73% | -0.73% | -1,286 bps | |
| Loan Growth (YoY) | 5.55% | 4.93% | 2.86% | 4.63% | 4.31% | 5.08% | 8.58% | 13.35% | +872 bps | |
| Share Growth (YoY) | 5.45% | 6.29% | 8.31% | 14.42% | 8.62% | 3.97% | -1.08% | -2.74% | -1,716 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.04% | 0.03% | 0.03% | 0.08% | 0.39% | 0.23% | 0.16% | +14 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 | 18.93% | 18.31% | 17.84% | 17.73% | 18.81% | 19.00% | 19.36% | 19.42% | +170 bps | |
| Net Worth / Assets | 18.93% | 18.31% | 17.84% | 17.73% | 18.81% | 19.00% | 19.36% | 19.42% | +170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.62% | 99.65% | 90.32% | 90.02% | 97.59% | 100.71% | 99.15% | 104.90% | +1,489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, CO · Charter 66155 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.57%
Rank 212 of 1,683
Net Interest Margin
4.86%
Rank 181 of 1,683
Efficiency Ratio
68.85%
Rank 418 of 1,682
Equity / Assets
19.42%
Rank 248 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | 0.35% | 0.74% | 1.18% | Beats 87% | 212 / 1,683 | ||
| Return on Equity | 8.09% | 2.67% | 5.89% | 8.74% | Beats 70% | 497 / 1,681 | ||
| Net Interest Margin | 4.86% | 3.31% | 3.82% | 4.32% | Beats 89% | 181 / 1,683 | ||
| Efficiency Ratio | 68.85% | 68.91% | 78.20% | 86.93% | Beats 75% | 418 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.26% | 0.65% | 1.29% | Beats 82% | 309 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.42% | 10.44% | 12.89% | 16.53% | Beats 85% | 248 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.42% | 10.44% | 12.89% | 16.53% | Beats 85% | 248 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.90% | 52.61% | 69.38% | 83.50% | 98th pctl | 33 / 1,683 | ||
| Loans / Assets | 84.00% | 44.71% | 59.18% | 70.72% | 96th pctl | 60 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||