PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Space Age

Aurora, CO · Charter 68737

NCUA · 3 branches

Q2 2026

$167.7MAssets
$115.4MLoans
$151.8MShares
$13.5MNet 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 0.11%, up 4 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 2.13% of loans (+74 bps YoY).
  • Capital: net worth / assets of 8.07%, down 14 bps from a year ago.
  • Funding: loans stand at 76.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.11%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.91%-4 bps YoY

Efficiency Ratio (YTD, annualized)

82.40%-772 bps YoY

Net Worth / Assets

8.07%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.07%0.07%0.18%0.11%+4 bps
Return on Equity0.88%0.90%0.82%2.29%1.37%+49 bps
Net Interest Margin3.95%4.05%4.06%3.82%3.91%-4 bps
Efficiency Ratio90.12%89.74%89.79%74.81%82.40%-772 bps
Growth
Asset Growth (YoY)1.75%1.89%1.21%-0.56%1.07%-68 bps
Loan Growth (YoY)-5.17%-2.79%0.66%7.33%5.50%+1,067 bps
Share Growth (YoY)2.21%2.22%1.42%-1.52%0.26%-195 bps
Asset Quality
Delinquent Loans / Loans1.39%1.50%1.68%1.65%2.13%+74 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 Capital8.21%8.20%8.18%8.04%8.07%-14 bps
Net Worth / Assets8.21%8.20%8.18%8.04%8.07%-14 bps
Liquidity & Funding
Loans / Shares72.24%72.76%72.64%74.45%76.01%+377 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps