Boulder, CO · Charter 68565
NCUA · 14 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 | 1.05% | 1.03% | 1.01% | 1.20% | 1.14% | 1.06% | 0.92% | 1.00% | -21 bps | |
| Return on Equity | 9.64% | 9.60% | 9.32% | 10.62% | 9.93% | 9.39% | 8.04% | 8.50% | -212 bps | |
| Net Interest Margin | 3.56% | 3.53% | 3.68% | 3.77% | 3.76% | 3.67% | 3.62% | 3.71% | -6 bps | |
| Efficiency Ratio | 79.29% | 78.40% | 76.40% | 75.91% | 76.27% | 77.01% | 81.48% | 78.96% | +305 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.77% | -0.85% | -0.76% | -0.81% | 3.12% | 3.97% | 3.63% | 4.07% | +487 bps | |
| Loan Growth (YoY) | 4.24% | 7.09% | 4.05% | -0.08% | 0.63% | -1.26% | 1.29% | 2.60% | +268 bps | |
| Share Growth (YoY) | -1.56% | 0.85% | 1.74% | 2.43% | 2.76% | 3.51% | 3.40% | 4.18% | +175 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.34% | 0.24% | 0.19% | 0.18% | 0.16% | 0.42% | 0.49% | +30 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 | 10.84% | 10.74% | 10.87% | 11.33% | 11.49% | 11.25% | 11.39% | 11.73% | +40 bps | |
| Net Worth / Assets | 10.84% | 10.74% | 10.87% | 11.33% | 11.49% | 11.25% | 11.39% | 11.73% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.11% | 103.41% | 100.64% | 101.17% | 100.96% | 98.64% | 98.59% | 99.64% | -153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |