Arvada, CO · Charter 9810
NCUA · 3 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 Denver-Aurora-Centennial, CO area (n=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
78
Profitability
3
Liquidity
23
Efficiency
13
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 9810
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 | 0.75% | 0.73% | 0.40% | 0.40% | 0.50% | 0.13% | -2.19% | -1.30% | -170 bps | |
| Return on Equity | 8.02% | 7.64% | 4.29% | 4.28% | 5.20% | 1.47% | -25.81% | -15.54% | -1,981 bps | |
| Net Interest Margin | 2.77% | 2.80% | 2.84% | 2.87% | 2.92% | 2.84% | 2.89% | 2.89% | +3 bps | |
| Efficiency Ratio | 73.55% | 74.38% | 86.62% | 83.22% | 79.24% | 84.35% | 97.57% | 95.78% | +1,255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | 1.04% | 4.32% | 3.52% | 3.19% | 7.09% | 1.91% | 2.44% | -107 bps | |
| Loan Growth (YoY) | 2.89% | 1.02% | 0.49% | -2.79% | -0.40% | -3.36% | -5.25% | -6.56% | -377 bps | |
| Share Growth (YoY) | 1.32% | 0.79% | 4.21% | 3.44% | 3.14% | 7.75% | 2.66% | 3.49% | +5 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 0.92% | 1.23% | 2.16% | 2.96% | 2.98% | 1.50% | 0.43% | -173 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 | 9.38% | 9.49% | 9.22% | 9.35% | 9.58% | 8.96% | 8.50% | 8.38% | -97 bps | |
| Net Worth / Assets | 9.38% | 9.49% | 9.22% | 9.35% | 9.58% | 8.96% | 8.50% | 8.38% | -97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.31% | 71.96% | 68.86% | 68.73% | 69.82% | 64.54% | 63.55% | 62.05% | -668 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 9810 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)
NCUA · 3 branches
Q2 2026
Return on Assets
-1.30%
Rank 23 of 23
Net Interest Margin
2.89%
Rank 21 of 23
Efficiency Ratio
95.81%
Rank 21 of 23
Equity / Assets
8.38%
Rank 17 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.30% | 0.05% | 0.36% | 0.99% | Beats 0% | 23 / 23 | ||
| Return on Equity | -15.54% | 0.56% | 3.49% | 7.31% | Beats 0% | 23 / 23 | ||
| Net Interest Margin | 2.89% | 3.13% | 3.48% | 3.80% | Beats 9% | 21 / 23 | ||
| Efficiency Ratio | 95.81% | 73.94% | 83.38% | 93.84% | Beats 13% | 21 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.43% | 0.95% | 1.77% | Beats 78% | 6 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.38% | 8.31% | 9.81% | 13.01% | Beats 26% | 17 / 23 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.38% | 8.31% | 9.81% | 13.01% | Beats 26% | 17 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.05% | 65.11% | 76.01% | 85.36% | 17th pctl | 19 / 23 | ||
| Loans / Assets | 56.54% | 56.54% | 66.35% | 73.30% | 22nd pctl | 18 / 23 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||