Golden, CO · Charter 67226
NCUA · 4 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 in the Denver-Aurora-Centennial, CO area (n=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
13
Profitability
41
Liquidity
73
Efficiency
26
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.
Golden, CO · Charter 67226
NCUA · 4 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.52% | 0.37% | -0.01% | 0.08% | -35 bps | |
| Return on Equity | 3.87% | 4.68% | 3.43% | -0.13% | 0.76% | -311 bps | |
| Net Interest Margin | 3.87% | 3.80% | 3.65% | 3.58% | 3.77% | -11 bps | |
| Efficiency Ratio | 89.59% | 88.55% | 89.53% | 96.68% | 93.81% | +422 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.26% | 3.61% | 7.60% | 5.37% | 2.33% | +359 bps | |
| Loan Growth (YoY) | -4.72% | -7.92% | -5.58% | -3.07% | -1.61% | +311 bps | |
| Share Growth (YoY) | -1.80% | 3.53% | 7.92% | 5.66% | 2.66% | +446 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.71% | 0.88% | 1.16% | 1.92% | +132 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 | 11.14% | 11.12% | 10.66% | 10.45% | 11.06% | -7 bps | |
| Net Worth / Assets | 11.14% | 11.12% | 10.66% | 10.45% | 11.06% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.32% | 73.43% | 70.14% | 68.36% | 71.23% | -309 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Golden, CO · Charter 67226 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)
NCUA · 4 branches
Q2 2026
Return on Assets
0.08%
Rank 17 of 23
Net Interest Margin
3.77%
Rank 7 of 23
Efficiency Ratio
93.84%
Rank 18 of 23
Equity / Assets
11.06%
Rank 10 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.05% | 0.36% | 0.99% | Beats 26% | 17 / 23 | |
| Return on Equity | 0.77% | 0.56% | 3.49% | 7.31% | Beats 26% | 17 / 23 | |
| Net Interest Margin | 3.77% | 3.13% | 3.48% | 3.80% | Beats 70% | 7 / 23 | |
| Efficiency Ratio | 93.84% | 73.94% | 83.38% | 93.84% | Beats 26% | 18 / 23 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.92% | 0.43% | 0.95% | 1.77% | Beats 13% | 21 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.06% | 8.31% | 9.81% | 13.01% | Beats 57% | 10 / 23 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.06% | 8.31% | 9.81% | 13.01% | Beats 57% | 10 / 23 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.23% | 65.11% | 76.01% | 85.36% | 39th pctl | 14 / 23 | |
| Loans / Assets | 63.27% | 56.54% | 66.35% | 73.30% | 39th pctl | 14 / 23 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||