Alamo, NV · Charter 12686
NCUA · 1 branch
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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
85
Profitability
46
Liquidity
17
Efficiency
45
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.
Alamo, NV · Charter 12686
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.83% | 0.67% | 0.70% | 0.77% | -1 bps | |
| Return on Equity | 8.07% | 8.54% | 6.64% | 7.20% | 7.69% | -38 bps | |
| Net Interest Margin | 3.17% | 3.23% | 3.03% | 3.15% | 3.18% | +1 bps | |
| Efficiency Ratio | 76.28% | 74.14% | 78.34% | 80.65% | 79.68% | +341 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.43% | 11.07% | 1.71% | 9.64% | 6.31% | -512 bps | |
| Loan Growth (YoY) | 6.86% | 0.88% | -2.95% | -4.22% | -4.22% | -1,108 bps | |
| Share Growth (YoY) | 11.44% | 11.07% | 0.80% | 9.40% | 5.92% | -551 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | +13 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.62% | 9.77% | 10.12% | 9.68% | 9.96% | +34 bps | |
| Net Worth / Assets | 9.62% | 9.77% | 10.12% | 9.68% | 9.96% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.64% | 46.02% | 45.62% | 41.97% | 43.98% | -466 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alamo, NV · Charter 12686 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.77%
Rank 812 of 1,683
Net Interest Margin
3.18%
Rank 1,345 of 1,683
Efficiency Ratio
79.67%
Rank 919 of 1,682
Equity / Assets
9.96%
Rank 1,353 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.35% | 0.74% | 1.18% | Beats 52% | 812 / 1,683 | |
| Return on Equity | 7.70% | 2.67% | 5.89% | 8.74% | Beats 67% | 555 / 1,681 | |
| Net Interest Margin | 3.18% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,345 / 1,683 | |
| Efficiency Ratio | 79.67% | 68.91% | 78.20% | 86.93% | Beats 45% | 919 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 85% | 261 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.96% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,353 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.96% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,353 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.98% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,428 / 1,683 | |
| Loans / Assets | 39.45% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,377 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||