Albuquerque, NM · Charter 12199
NCUA · 11 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
42
Profitability
31
Liquidity
44
Efficiency
39
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.
Albuquerque, NM · Charter 12199
NCUA · 11 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 | -0.11% | -0.40% | -0.04% | 0.32% | 0.38% | 0.58% | 0.52% | 0.54% | +22 bps | |
| Return on Equity | -0.89% | -3.31% | -0.30% | 2.71% | 3.14% | 4.75% | 4.30% | 4.38% | +167 bps | |
| Net Interest Margin | 2.95% | 2.93% | 2.97% | 3.00% | 3.13% | 3.13% | 3.35% | 3.41% | +40 bps | |
| Efficiency Ratio | 81.55% | 80.01% | 72.25% | 76.30% | 77.09% | 72.93% | 74.79% | 74.70% | -160 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.37% | -3.34% | 0.84% | 5.56% | 3.85% | 3.10% | 3.00% | 1.49% | -407 bps | |
| Loan Growth (YoY) | -7.92% | -10.87% | -11.88% | -9.69% | -6.27% | -1.56% | -0.45% | 2.63% | +1,232 bps | |
| Share Growth (YoY) | 3.38% | 5.88% | 6.50% | 6.11% | 3.93% | 2.66% | 2.53% | 1.24% | -487 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.96% | 1.76% | 0.83% | 1.02% | 1.18% | 1.36% | 0.79% | 0.79% | -23 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 | 12.55% | 12.03% | 11.82% | 11.88% | 12.06% | 12.24% | 12.18% | 12.40% | +51 bps | |
| Net Worth / Assets | 12.55% | 12.03% | 11.82% | 11.88% | 12.06% | 12.24% | 12.18% | 12.40% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.48% | 78.70% | 74.69% | 74.27% | 75.29% | 75.46% | 72.53% | 75.29% | +102 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Albuquerque, NM · Charter 12199 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
Return on Assets
0.54%
Rank 330 of 435
Net Interest Margin
3.41%
Rank 214 of 435
Efficiency Ratio
74.70%
Rank 267 of 435
Equity / Assets
12.40%
Rank 119 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.54% | 0.55% | 0.81% | 1.14% | Beats 24% | 330 / 435 | ||
| Return on Equity | 4.38% | 5.12% | 7.41% | 9.70% | Beats 19% | 352 / 435 | ||
| Net Interest Margin | 3.41% | 3.01% | 3.39% | 3.75% | Beats 51% | 214 / 435 | ||
| Efficiency Ratio | 74.70% | 65.25% | 71.39% | 77.86% | Beats 39% | 267 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.45% | 0.69% | 1.05% | Beats 42% | 255 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.40% | 9.81% | 10.84% | 12.63% | Beats 73% | 119 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.40% | 9.81% | 10.84% | 12.63% | Beats 73% | 119 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.29% | 78.33% | 88.38% | 95.61% | 20th pctl | 346 / 435 | ||
| Loans / Assets | 65.80% | 67.69% | 74.58% | 80.80% | 20th pctl | 346 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||