Aurora, CO · Charter 68737
NCUA · 3 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 in the Denver-Aurora-Centennial, CO area (n=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
9
Profitability
48
Liquidity
100
Efficiency
61
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.
Aurora, CO · Charter 68737
NCUA · 3 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 | 0.05% | 0.05% | 0.08% | 0.07% | 0.07% | 0.07% | 0.18% | 0.11% | +4 bps | |
| Return on Equity | 0.54% | 0.58% | 0.96% | 0.88% | 0.90% | 0.82% | 2.29% | 1.37% | +49 bps | |
| Net Interest Margin | 3.78% | 3.81% | 3.77% | 3.95% | 4.05% | 4.06% | 3.82% | 3.91% | -4 bps | |
| Efficiency Ratio | 93.92% | 93.72% | 90.10% | 90.12% | 89.74% | 89.79% | 74.81% | 82.40% | -772 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.30% | -2.95% | 4.81% | 1.75% | 1.89% | 1.21% | -0.56% | 1.07% | -68 bps | |
| Loan Growth (YoY) | -17.95% | -14.88% | -11.87% | -5.17% | -2.79% | 0.66% | 7.33% | 5.50% | +1,067 bps | |
| Share Growth (YoY) | -5.48% | -3.03% | 5.46% | 2.21% | 2.22% | 1.42% | -1.52% | 0.26% | -195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 1.38% | 1.55% | 1.39% | 1.50% | 1.68% | 1.65% | 2.13% | +74 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 | 8.43% | 8.35% | 8.04% | 8.21% | 8.20% | 8.18% | 8.04% | 8.07% | -14 bps | |
| Net Worth / Assets | 8.43% | 8.35% | 8.04% | 8.21% | 8.20% | 8.18% | 8.04% | 8.07% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.51% | 73.19% | 68.31% | 72.24% | 72.76% | 72.64% | 74.45% | 76.01% | +377 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aurora, CO · Charter 68737 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)
NCUA · 3 branches
Q2 2026
Return on Assets
0.11%
Rank 16 of 23
Net Interest Margin
3.91%
Rank 4 of 23
Efficiency Ratio
82.40%
Rank 10 of 23
Equity / Assets
8.07%
Rank 19 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.11% | 0.05% | 0.36% | 0.99% | Beats 30% | 16 / 23 | ||
| Return on Equity | 1.36% | 0.56% | 3.49% | 7.31% | Beats 30% | 16 / 23 | ||
| Net Interest Margin | 3.91% | 3.13% | 3.48% | 3.80% | Beats 83% | 4 / 23 | ||
| Efficiency Ratio | 82.40% | 73.94% | 83.38% | 93.84% | Beats 61% | 10 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.13% | 0.43% | 0.95% | 1.77% | Beats 9% | 22 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.07% | 8.31% | 9.81% | 13.01% | Beats 17% | 19 / 23 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.07% | 8.31% | 9.81% | 13.01% | Beats 17% | 19 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.01% | 65.11% | 76.01% | 85.36% | 48th pctl | 12 / 23 | ||
| Loans / Assets | 68.84% | 56.54% | 66.35% | 73.30% | 61st pctl | 9 / 23 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||