Fort Bayard, NM · Charter 1838
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
6
Profitability
27
Liquidity
10
Efficiency
1
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.
Fort Bayard, NM · Charter 1838
NCUA · 1 branch
Q1 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.83% | -1.88% | -0.91% | -2.00% | -20.52% | -1,869 bps | |
| Return on Equity | -22.33% | -24.21% | -10.88% | -28.04% | -855% | -83,312 bps | |
| Net Interest Margin | 2.68% | 2.68% | 4.42% | 4.65% | 4.53% | +185 bps | |
| Efficiency Ratio | 159.12% | 162.44% | 119.00% | 139.79% | 178.60% | +1,948 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.73% | 0.04% | -2.93% | -2.19% | -10.14% | -941 bps | |
| Loan Growth (YoY) | -6.09% | -5.91% | -1.67% | -0.88% | -5.22% | +86 bps | |
| Share Growth (YoY) | 1.11% | 1.84% | -1.73% | -0.13% | -4.06% | -517 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 0.00% | 0.53% | 0.52% | 3.07% | +230 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.89% | 2.87% | 2.86% | 2.89% | 12.99% | +1,010 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.20% | 7.78% | 8.37% | 7.14% | 2.40% | -581 bps | |
| Net Worth / Assets | 8.20% | 7.78% | 8.37% | 7.14% | 2.40% | -581 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.85% | 44.43% | 46.57% | 46.18% | 43.31% | -53 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Bayard, NM · Charter 1838 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
Return on Assets
-20.53%
Rank 1,671 of 1,678
Net Interest Margin
4.48%
Rank 305 of 1,677
Efficiency Ratio
181.36%
Rank 1,659 of 1,675
Equity / Assets
2.40%
Rank 1,674 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -20.53% | 0.24% | 0.67% | 1.21% | Beats 0% | 1,671 / 1,678 | |
| Return on Equity | -854% | 1.96% | 5.37% | 8.99% | Beats 0% | 1,675 / 1,675 | |
| Net Interest Margin | 4.48% | 3.12% | 3.67% | 4.25% | Beats 82% | 305 / 1,677 | |
| Efficiency Ratio | 181.36% | 68.92% | 78.89% | 88.44% | Beats 1% | 1,659 / 1,675 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.05% | 0.21% | 0.58% | 1.19% | Beats 6% | 1,578 / 1,676 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 2.40% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,675 / 1,678 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 2.40% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,674 / 1,677 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.31% | 54.28% | 70.33% | 83.29% | 13th pctl | 1,467 / 1,677 | |
| Loans / Assets | 42.05% | 46.21% | 59.98% | 70.96% | 20th pctl | 1,347 / 1,677 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||