Pueblo, CO · Charter 68240
NCUA · 5 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 | 0.59% | 0.64% | 1.37% | 1.12% | 0.92% | 0.76% | 0.12% | 0.10% | -103 bps | |
| Return on Equity | 4.48% | 4.84% | 10.37% | 8.50% | 6.93% | 5.87% | 0.95% | 0.76% | -774 bps | |
| Net Interest Margin | 2.41% | 2.50% | 2.87% | 3.00% | 2.99% | 2.97% | 2.91% | 3.06% | +6 bps | |
| Efficiency Ratio | 81.73% | 80.01% | 66.37% | 70.30% | 73.66% | 76.62% | 89.86% | 90.45% | +2,015 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | -0.74% | 0.24% | 3.91% | 5.31% | 7.89% | 7.92% | 6.17% | +227 bps | |
| Loan Growth (YoY) | 4.72% | 9.17% | 18.08% | 20.89% | 21.41% | 21.26% | 15.65% | 8.55% | -1,234 bps | |
| Share Growth (YoY) | 0.71% | -1.69% | -1.19% | 2.46% | 4.33% | 6.50% | 7.63% | 6.39% | +393 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.21% | 0.18% | 0.39% | 0.47% | 0.69% | 0.87% | 0.79% | +40 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 | 13.09% | 13.27% | 13.23% | 13.23% | 13.25% | 13.00% | 12.65% | 12.66% | -57 bps | |
| Net Worth / Assets | 13.09% | 13.27% | 13.23% | 13.23% | 13.25% | 13.00% | 12.65% | 12.66% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.58% | 42.63% | 44.82% | 46.34% | 47.23% | 48.54% | 48.15% | 47.28% | +94 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |