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 | |