Colorado Credit Unions

Member engagement remained challenging with growth at -1.29% in Q4 2025, though accelerating 10 basis points from -1.39% in Q3. The year-over-year comparison shows a dramatic deceleration from positive 2.13% growth in Q4 2024, indicating persistent member acquisition difficulties that lag the national decline of -0.69%.

Profitability metrics showed mixed signals with ROA stable at 0.48% both quarter-over-quarter (down 4 basis points from 0.52% in Q3) and year-over-year (unchanged from Q4 2024). NIM decreased 5 basis points to 3.53% from Q3 but increased 5 basis points year-over-year, remaining 19 basis points below the national benchmark.

Growth momentum accelerated significantly with asset growth reaching 2.87% in Q4 2025, up from 2.63% in Q3 and marking a substantial turnaround from -0.08% a year ago. Loan growth also accelerated to -0.12% from -0.43% last quarter, though still trailing the national benchmark by 64 basis points.

Risk metrics remained stable with delinquency at 0.81%, essentially unchanged from 0.80% in Q3 and down slightly from 0.84% a year ago. Net worth decreased to 12.04% from 12.18% last quarter and 12.13% year-over-year, maintaining a position 1.64 percentage points below the national benchmark of 13.68%.

Portfolio composition showed strategic shifts with first mortgage concentration increasing to 29.58% (up 0.32 percentage points year-over-year), significantly above the national 21.97%. Certificate concentration rose to 26.16% from 25.15% a year ago, while indirect auto lending decreased to 12.15%, though still exceeding national levels at 7.78%.