Roswell, NM · Charter 19567
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
68
Asset Quality
15
Profitability
28
Liquidity
71
Efficiency
5
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.
Roswell, NM · Charter 19567
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 | -0.58% | -0.68% | -0.55% | -0.35% | -0.41% | +17 bps | |
| Return on Equity | -3.83% | -4.43% | -3.71% | -2.42% | -2.72% | +111 bps | |
| Net Interest Margin | 3.99% | 4.06% | 3.97% | 4.23% | 4.23% | +24 bps | |
| Efficiency Ratio | 104.25% | 105.84% | 104.96% | 104.18% | 105.24% | +99 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.34% | -2.45% | 2.09% | 1.68% | -2.27% | -261 bps | |
| Loan Growth (YoY) | -13.30% | -12.71% | -11.28% | -17.46% | -14.87% | -157 bps | |
| Share Growth (YoY) | 1.46% | -2.23% | 3.44% | 2.78% | -2.15% | -361 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.76% | 1.75% | 1.39% | 1.59% | 1.90% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 1.11% | 1.20% | 1.33% | 1.43% | +51 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.25% | 15.29% | 14.81% | 14.67% | 15.13% | -12 bps | |
| Net Worth / Assets | 15.25% | 15.29% | 14.81% | 14.67% | 15.13% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.60% | 67.91% | 64.15% | 58.94% | 60.55% | -904 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Roswell, NM · Charter 19567 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.42%
Rank 1,568 of 1,683
Net Interest Margin
4.23%
Rank 480 of 1,683
Efficiency Ratio
105.49%
Rank 1,591 of 1,682
Equity / Assets
15.14%
Rank 541 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,568 / 1,683 | |
| Return on Equity | -2.80% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,566 / 1,681 | |
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 71% | 480 / 1,683 | |
| Efficiency Ratio | 105.49% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,591 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.90% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,431 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.14% | 10.44% | 12.89% | 16.53% | Beats 68% | 541 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.14% | 10.44% | 12.89% | 16.53% | Beats 68% | 541 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.54% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,087 / 1,683 | |
| Loans / Assets | 51.15% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,083 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||