Wheat Ridge, CO · Charter 67181
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | -0.08% | -0.01% | 0.11% | 0.12% | +33 bps | |
| Return on Equity | -2.78% | -1.13% | -0.11% | 1.46% | 1.65% | +442 bps | |
| Net Interest Margin | 3.45% | 3.49% | 3.46% | 3.44% | 3.42% | -3 bps | |
| Efficiency Ratio | 91.33% | 92.09% | 92.13% | 96.79% | 89.38% | -195 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.90% | 0.92% | 1.46% | 1.12% | 3.87% | +297 bps | |
| Loan Growth (YoY) | 0.41% | 3.67% | 3.74% | 5.85% | 2.36% | +195 bps | |
| Share Growth (YoY) | 1.76% | 1.46% | 2.14% | 1.58% | 3.41% | +165 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 1.90% | 1.15% | 0.88% | 1.77% | +78 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 | 7.51% | 7.52% | 7.41% | 7.45% | 7.38% | -13 bps | |
| Net Worth / Assets | 7.51% | 7.52% | 7.41% | 7.45% | 7.38% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.78% | 79.45% | 77.46% | 80.01% | 77.98% | -80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |