Golden, CO · Charter 67226
NCUA · 4 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 | 0.24% | 0.18% | 0.25% | 0.43% | 0.52% | 0.37% | -0.01% | 0.08% | -35 bps | |
| Return on Equity | 2.12% | 1.60% | 2.35% | 3.87% | 4.68% | 3.43% | -0.13% | 0.76% | -311 bps | |
| Net Interest Margin | 3.68% | 3.75% | 3.67% | 3.87% | 3.80% | 3.65% | 3.58% | 3.77% | -11 bps | |
| Efficiency Ratio | 93.90% | 93.80% | 94.61% | 89.59% | 88.55% | 89.53% | 96.68% | 93.81% | +422 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.25% | -5.13% | -1.43% | -1.26% | 3.61% | 7.60% | 5.37% | 2.33% | +359 bps | |
| Loan Growth (YoY) | -6.15% | -7.04% | -5.90% | -4.72% | -7.92% | -5.58% | -3.07% | -1.61% | +311 bps | |
| Share Growth (YoY) | -7.72% | -5.80% | -1.92% | -1.80% | 3.53% | 7.92% | 5.66% | 2.66% | +446 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.55% | 0.31% | 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 | 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 | 11.18% | 11.13% | 10.75% | 11.14% | 11.12% | 10.66% | 10.45% | 11.06% | -7 bps | |
| Net Worth / Assets | 11.18% | 11.13% | 10.75% | 11.14% | 11.12% | 10.66% | 10.45% | 11.06% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.56% | 80.17% | 74.51% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |