Colorado Spring, CO · Charter 68266
NCUA · 2 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
58
Profitability
66
Liquidity
59
Efficiency
87
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.
Colorado Spring, CO · Charter 68266
NCUA · 2 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 | 0.88% | 0.92% | 0.99% | 1.06% | 1.13% | +24 bps | |
| Return on Equity | 7.95% | 8.10% | 8.69% | 9.32% | 9.55% | +160 bps | |
| Net Interest Margin | 3.43% | 3.54% | 3.52% | 3.65% | 3.73% | +30 bps | |
| Efficiency Ratio | 63.29% | 61.46% | 60.91% | 63.50% | 62.17% | -112 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.61% | 3.55% | 4.85% | 4.35% | 3.91% | -70 bps | |
| Loan Growth (YoY) | -5.15% | -0.29% | 4.38% | 9.47% | 15.35% | +2,050 bps | |
| Share Growth (YoY) | 4.00% | 2.88% | 4.27% | 3.66% | 2.95% | -105 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.80% | 0.79% | 0.63% | 0.52% | -12 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 | 11.12% | 11.32% | 11.35% | 11.40% | 11.81% | +70 bps | |
| Net Worth / Assets | 11.12% | 11.32% | 11.35% | 11.40% | 11.81% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.19% | 71.90% | 72.74% | 73.79% | 78.64% | +845 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Colorado Spring, CO · Charter 68266 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.13%
Rank 476 of 1,683
Net Interest Margin
3.73%
Rank 912 of 1,683
Efficiency Ratio
62.19%
Rank 225 of 1,682
Equity / Assets
11.81%
Rank 1,026 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 0.35% | 0.74% | 1.18% | Beats 72% | 476 / 1,683 | |
| Return on Equity | 9.56% | 2.67% | 5.89% | 8.74% | Beats 81% | 327 / 1,681 | |
| Net Interest Margin | 3.73% | 3.31% | 3.82% | 4.32% | Beats 46% | 912 / 1,683 | |
| Efficiency Ratio | 62.19% | 68.91% | 78.20% | 86.93% | Beats 87% | 225 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.52% | 0.26% | 0.65% | 1.29% | Beats 58% | 704 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.81% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,026 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.81% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,026 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.64% | 52.61% | 69.38% | 83.50% | 67th pctl | 560 / 1,683 | |
| Loans / Assets | 69.11% | 44.71% | 59.18% | 70.72% | 72nd pctl | 477 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||