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 | |