Alamo, NV · Charter 12686
NCUA · 1 branch
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 | 0.75% | 0.38% | 0.76% | 0.78% | 0.83% | 0.67% | 0.70% | 0.77% | -1 bps | |
| Return on Equity | 7.65% | 4.03% | 7.85% | 8.07% | 8.54% | 6.64% | 7.20% | 7.69% | -38 bps | |
| Net Interest Margin | 3.50% | 2.72% | 3.21% | 3.17% | 3.23% | 3.03% | 3.15% | 3.18% | +1 bps | |
| Efficiency Ratio | 78.71% | 88.23% | 80.29% | 76.28% | 74.14% | 78.34% | 80.65% | 79.68% | +341 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | 10.39% | 3.09% | 11.43% | 11.07% | 1.71% | 9.64% | 6.31% | -512 bps | |
| Loan Growth (YoY) | 1.42% | 4.25% | 3.24% | 6.86% | 0.88% | -2.95% | -4.22% | -4.22% | -1,108 bps | |
| Share Growth (YoY) | 3.32% | 10.35% | 2.49% | 11.44% | 11.07% | 0.80% | 9.40% | 5.92% | -551 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.11% | 0.13% | 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 | 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 | 9.75% | 9.33% | 9.63% | 9.62% | 9.77% | 10.12% | 9.68% | 9.96% | +34 bps | |
| Net Worth / Assets | 9.75% | 9.33% | 9.63% | 9.62% | 9.77% | 10.12% | 9.68% | 9.96% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.67% | 47.38% | 47.94% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |