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Minnequa Works

Pueblo, CO · Charter 68240

NCUA · 5 branches

Q2 2026

$274.0MAssets
$115.3MLoans
$243.9MShares
$34.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.10%, down 103 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.79% of loans (+40 bps YoY).
  • Capital: net worth / assets of 12.66%, down 57 bps from a year ago.
  • Funding: loans stand at 47.28% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.10%-103 bps YoY

Net Interest Margin (quarter, annualized)

3.06%+6 bps YoY

Efficiency Ratio (quarter, annualized)

90.45%+2,015 bps YoY

Net Worth / Assets

12.66%-57 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%0.92%0.76%0.12%0.10%-103 bps
Return on Equity8.50%6.93%5.87%0.95%0.76%-774 bps
Net Interest Margin3.00%2.99%2.97%2.91%3.06%+6 bps
Efficiency Ratio70.30%73.66%76.62%89.86%90.45%+2,015 bps
Growth
Asset Growth (YoY)3.91%5.31%7.89%7.92%6.17%+227 bps
Loan Growth (YoY)20.89%21.41%21.26%15.65%8.55%-1,234 bps
Share Growth (YoY)2.46%4.33%6.50%7.63%6.39%+393 bps
Asset Quality
Delinquent Loans / Loans0.39%0.47%0.69%0.87%0.79%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.23%13.25%13.00%12.65%12.66%-57 bps
Net Worth / Assets13.23%13.25%13.00%12.65%12.66%-57 bps
Liquidity & Funding
Loans / Shares46.34%47.23%48.54%48.15%47.28%+94 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps