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 | |