El Paso, TX · Charter 1792
NCUA · 10 branches
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 | -0.08% | -0.15% | -0.34% | -0.19% | 0.05% | +13 bps | |
| Return on Equity | -0.72% | -1.35% | -3.13% | -1.80% | 0.49% | +121 bps | |
| Net Interest Margin | 2.48% | 2.52% | 2.51% | 2.51% | 2.57% | +9 bps | |
| Efficiency Ratio | 96.44% | 97.24% | 102.73% | 99.95% | 94.81% | -163 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.68% | -1.04% | 1.37% | 0.46% | 0.46% | +114 bps | |
| Loan Growth (YoY) | -2.07% | -0.12% | -4.62% | -2.35% | -1.85% | +22 bps | |
| Share Growth (YoY) | -1.73% | -1.29% | 0.10% | -0.45% | -0.24% | +149 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.11% | 0.47% | 0.04% | 0.04% | -5 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 | 11.12% | 11.06% | 10.76% | 10.68% | 10.80% | -32 bps | |
| Net Worth / Assets | 11.12% | 11.06% | 10.76% | 10.68% | 10.80% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.40% | 74.51% | 73.47% | 72.33% | 73.21% | -120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |