El Paso, TX · Charter 24941
NCUA · 27 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 1.39% | 1.30% | 1.35% | 1.38% | +11 bps | |
| Return on Equity | 9.91% | 10.56% | 10.06% | 10.32% | 10.45% | +55 bps | |
| Net Interest Margin | 4.45% | 4.53% | 4.49% | 4.48% | 4.49% | +3 bps | |
| Efficiency Ratio | 61.77% | 60.70% | 61.61% | 62.74% | 62.17% | +40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.19% | 1.97% | 5.39% | 5.45% | 7.20% | +601 bps | |
| Loan Growth (YoY) | 6.68% | 9.85% | 9.70% | 8.92% | 9.75% | +306 bps | |
| Share Growth (YoY) | 4.47% | 6.51% | 9.71% | 8.16% | 9.11% | +464 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.05% | 1.13% | 1.30% | 0.99% | 1.00% | -6 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 | 12.81% | 13.19% | 12.97% | 13.07% | 13.22% | +41 bps | |
| Net Worth / Assets | 12.81% | 13.19% | 12.97% | 13.07% | 13.22% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.46% | 100.54% | 103.08% | 98.17% | 100.04% | +58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |