PackageTrendsPeer
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Elevations

Boulder, CO · Charter 68565

NCUA · 14 branches

Q2 2026

$3.5BAssets
$2.7BLoans
$2.7BShares
$413.2MNet 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 1.00%, down 21 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.49% of loans (+30 bps YoY).
  • Capital: net worth / assets of 11.73%, up 40 bps from a year ago.
  • Funding: loans stand at 99.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-6 bps YoY

Efficiency Ratio (YTD, annualized)

78.96%+305 bps YoY

Net Worth / Assets

11.73%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.14%1.06%0.92%1.00%-21 bps
Return on Equity10.62%9.93%9.39%8.04%8.50%-212 bps
Net Interest Margin3.77%3.76%3.67%3.62%3.71%-6 bps
Efficiency Ratio75.91%76.27%77.01%81.48%78.96%+305 bps
Growth
Asset Growth (YoY)-0.81%3.12%3.97%3.63%4.07%+487 bps
Loan Growth (YoY)-0.08%0.63%-1.26%1.29%2.60%+268 bps
Share Growth (YoY)2.43%2.76%3.51%3.40%4.18%+175 bps
Asset Quality
Delinquent Loans / Loans0.19%0.18%0.16%0.42%0.49%+30 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 Capital11.33%11.49%11.25%11.39%11.73%+40 bps
Net Worth / Assets11.33%11.49%11.25%11.39%11.73%+40 bps
Liquidity & Funding
Loans / Shares101.17%100.96%98.64%98.59%99.64%-153 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps