Colorado Credit Unions

Member engagement remained challenged with growth at -1.39% in Q3 2025, though accelerating from -1.68% in Q2 and contrasting sharply with 1.44% growth a year ago. The cohort continues to underperform the national benchmark by 78 basis points, indicating persistent membership acquisition difficulties.

Profitability showed steady improvement with NIM increasing to 3.58% from 3.53% quarter-over-quarter and 3.45% year-over-year. ROA remained stable at 0.52% across both timeframes, though trailing the national benchmark by 26 basis points, reflecting consistent but modest earnings performance.

Growth momentum accelerated with assets expanding 2.63% from 2.09% last quarter, surpassing national levels by 9 basis points. Deposit growth accelerated to 3.02% from 2.60% quarter-over-quarter, outpacing national benchmarks by 70 basis points, while loan growth remained stable at -0.43%.

Risk metrics remained well-controlled with delinquencies stable at 0.80% quarter-over-quarter, though up from 0.71% year-over-year. Net worth increased to 12.18% from 12.10% last quarter while remaining flat year-over-year, staying 1.50 percentage points below national benchmarks.

Portfolio composition shifted toward conservative positioning with certificate concentrations rising to 26.32% from 26.00% quarter-over-quarter and 24.53% year-over-year. First mortgage exposure increased modestly to 29.42% while indirect auto lending declined to 12.38%, reflecting risk-conscious asset allocation strategies.