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 | |