Arvada, CO · Charter 8701
NCUA · 2 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 Birmingham, AL area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
72
Profitability
47
Liquidity
89
Efficiency
66
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.
Arvada, CO · Charter 8701
NCUA · 2 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 | 0.82% | 0.94% | 1.04% | 1.18% | 1.10% | 1.10% | 0.93% | 0.73% | -45 bps | |
| Return on Equity | 6.85% | 7.59% | 8.27% | 8.98% | 8.50% | 8.33% | 7.09% | 5.62% | -336 bps | |
| Net Interest Margin | 3.22% | 3.28% | 3.70% | 3.76% | 3.59% | 3.57% | 3.45% | 3.36% | -41 bps | |
| Efficiency Ratio | 74.86% | 73.60% | 66.41% | 67.07% | 68.95% | 68.78% | 72.83% | 72.54% | +547 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.90% | 2.67% | 0.90% | 1.36% | 1.94% | 2.82% | 4.47% | 8.10% | +674 bps | |
| Loan Growth (YoY) | -1.09% | -0.12% | 0.24% | 1.75% | 1.62% | 0.43% | 1.72% | -1.13% | -289 bps | |
| Share Growth (YoY) | 3.72% | 2.24% | 0.11% | 0.65% | 1.27% | 2.04% | 4.19% | 8.24% | +759 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.37% | 1.00% | 0.74% | 0.55% | 0.46% | 0.94% | 0.52% | 0.75% | +21 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 | 11.98% | 12.32% | 12.60% | 13.11% | 12.95% | 13.14% | 13.12% | 12.99% | -12 bps | |
| Net Worth / Assets | 11.98% | 12.32% | 12.60% | 13.11% | 12.95% | 13.14% | 13.12% | 12.99% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.80% | 55.76% | 55.06% | 57.48% | 54.99% | 54.88% | 53.75% | 52.50% | -498 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Arvada, CO · Charter 8701 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 2 branches
Q2 2026
Return on Assets
0.73%
Rank 13 of 29
Net Interest Margin
3.35%
Rank 21 of 29
Efficiency Ratio
72.58%
Rank 11 of 29
Equity / Assets
12.99%
Rank 17 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.26% | 0.65% | 1.06% | Beats 55% | 13 / 29 | ||
| Return on Equity | 5.61% | 2.33% | 4.15% | 7.02% | Beats 59% | 12 / 29 | ||
| Net Interest Margin | 3.35% | 3.29% | 3.80% | 4.67% | Beats 28% | 21 / 29 | ||
| Efficiency Ratio | 72.58% | 67.71% | 81.00% | 89.29% | Beats 66% | 11 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.40% | 1.03% | 1.72% | Beats 72% | 9 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.99% | 10.13% | 13.97% | 19.12% | Beats 41% | 17 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.99% | 10.13% | 13.97% | 19.12% | Beats 41% | 17 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.50% | 40.72% | 55.53% | 68.24% | 41st pctl | 17 / 29 | ||
| Loans / Assets | 45.52% | 35.46% | 45.52% | 58.70% | 48th pctl | 15 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||