PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Red Rocks

Littleton, CO · Charter 68560

NCUA · 3 branches

Q2 2026

$344.0MAssets
$285.2MLoans
$288.1MShares
$32.0MNet 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 0.05%, down 11 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.49% of loans (-11 bps YoY).
  • Capital: net worth / assets of 9.31%, down 52 bps from a year ago.
  • Funding: loans stand at 99.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.05%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+9 bps YoY

Efficiency Ratio (YTD, annualized)

93.16%+467 bps YoY

Net Worth / Assets

9.31%-52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.18%0.11%0.25%0.05%-11 bps
Return on Equity1.60%1.81%1.25%2.75%0.56%-104 bps
Net Interest Margin3.51%3.59%3.42%3.46%3.60%+9 bps
Efficiency Ratio88.49%90.26%90.75%92.54%93.16%+467 bps
Growth
Asset Growth (YoY)2.04%1.27%6.20%4.51%4.28%+223 bps
Loan Growth (YoY)1.50%-1.93%1.29%4.35%6.77%+527 bps
Share Growth (YoY)0.34%1.38%7.25%5.50%4.19%+385 bps
Asset Quality
Delinquent Loans / Loans0.61%0.61%0.71%0.59%0.49%-11 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 Capital9.83%9.85%9.11%9.07%9.31%-52 bps
Net Worth / Assets9.83%9.85%9.11%9.07%9.31%-52 bps
Liquidity & Funding
Loans / Shares96.62%96.08%91.53%90.45%99.02%+240 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps