Roswell, NM · Charter 19567
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 | -0.23% | -0.21% | -0.84% | -0.58% | -0.68% | -0.55% | -0.35% | -0.41% | +17 bps | |
| Return on Equity | -1.46% | -1.32% | -5.45% | -3.83% | -4.43% | -3.71% | -2.42% | -2.72% | +111 bps | |
| Net Interest Margin | 3.84% | 3.92% | 3.83% | 3.99% | 4.06% | 3.97% | 4.23% | 4.23% | +24 bps | |
| Efficiency Ratio | 101.05% | 100.19% | 111.18% | 104.25% | 105.84% | 104.96% | 104.18% | 105.24% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.05% | 0.56% | 1.35% | 0.34% | -2.45% | 2.09% | 1.68% | -2.27% | -261 bps | |
| Loan Growth (YoY) | -13.27% | -13.48% | -12.57% | -13.30% | -12.71% | -11.28% | -17.46% | -14.87% | -157 bps | |
| Share Growth (YoY) | -0.99% | 0.93% | 2.34% | 1.46% | -2.23% | 3.44% | 2.78% | -2.15% | -361 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 1.71% | 1.37% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.89% | 0.71% | 0.92% | 1.11% | 1.20% | 1.33% | 1.43% | +51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.64% | 15.88% | 15.35% | 15.25% | 15.29% | 14.81% | 14.67% | 15.13% | -12 bps | |
| Net Worth / Assets | 15.64% | 15.88% | 15.35% | 15.25% | 15.29% | 14.81% | 14.67% | 15.13% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.07% | 74.80% | 73.40% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |