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 | |