PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Electrical

Arvada, CO · Charter 8701

NCUA · 2 branches

Q2 2026

$54.3MAssets
$24.7MLoans
$47.1MShares
$7.1MNet 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 0.73%, down 45 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.75% of loans (+21 bps YoY).
  • Capital: net worth / assets of 12.99%, down 12 bps from a year ago.
  • Funding: loans stand at 52.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%-45 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-41 bps YoY

Efficiency Ratio (YTD, annualized)

72.54%+547 bps YoY

Net Worth / Assets

12.99%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.10%1.10%0.93%0.73%-45 bps
Return on Equity8.98%8.50%8.33%7.09%5.62%-336 bps
Net Interest Margin3.76%3.59%3.57%3.45%3.36%-41 bps
Efficiency Ratio67.07%68.95%68.78%72.83%72.54%+547 bps
Growth
Asset Growth (YoY)1.36%1.94%2.82%4.47%8.10%+674 bps
Loan Growth (YoY)1.75%1.62%0.43%1.72%-1.13%-289 bps
Share Growth (YoY)0.65%1.27%2.04%4.19%8.24%+759 bps
Asset Quality
Delinquent Loans / Loans0.55%0.46%0.94%0.52%0.75%+21 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 Capital13.11%12.95%13.14%13.12%12.99%-12 bps
Net Worth / Assets13.11%12.95%13.14%13.12%12.99%-12 bps
Liquidity & Funding
Loans / Shares57.48%54.99%54.88%53.75%52.50%-498 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps