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Tucumcari Federal Savings & Loan Association

Tucumcari, NM · Cert 29059

State savings bank · OCC · 1 branch

Q2 2026

$38.4MAssets
$24.4MLoans
$29.2MDeposits
$5.8MEquity
Loan mix
100%RE $25.0M0%C&I $0.0M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
98%Interest-bearing $28.7M2%Noninterest $0.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.09%, down 26 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 1.02% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.22%, down 36 bps from a year ago.
  • Funding: loans stand at 83.53% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.09%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-20 bps YoY

Efficiency Ratio (YTD, annualized)

97.73%+1,021 bps YoY

Tier 1 Leverage Ratio

15.22%-36 bps YoY

NIM

5.97%Q2 ’246.03%Q2 ’255.64%Q2 ’26+14%-6%

Non-interest income vs. expense

2.47%Q2 ’242.97%Q2 ’253.13%Q2 ’26+24%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.27%0.32%0.35%0.19%0.27%0.12%0.09%-26 bps
Return on Equity1.62%1.92%2.12%2.32%1.22%1.73%0.76%0.59%-173 bps
Net Interest Margin2.97%3.02%3.18%3.30%3.36%3.35%3.22%3.10%-20 bps
Efficiency Ratio90.08%89.06%87.78%87.52%93.60%91.96%96.47%97.73%+1,021 bps
Non-Interest Burden2.66%2.68%2.78%2.88%3.14%3.07%3.10%3.03%+15 bps
Growth
Asset Growth (YoY)-5.10%-4.98%-5.70%-6.54%-5.42%-3.34%4.10%3.11%+965 bps
Loan Growth (YoY)-3.75%-4.22%-6.34%-4.21%-4.66%-4.45%-6.55%-9.06%-485 bps
Deposit Growth (YoY)4.31%2.39%-0.46%-1.04%-5.71%-3.19%7.33%7.66%+870 bps
Asset Quality
Nonperforming Loans / Loans0.97%1.71%1.02%1.01%0.93%0.98%1.01%1.02%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.03%1.05%1.07%1.05%1.05%1.05%1.09%1.09%+4 bps
Allowance Coverage of NPLs1.1x0.6x1.1x1.0x1.1x1.1x1.1x1.1x0.0x
Capital
Tier 1 Leverage Ratio14.45%14.82%15.16%15.58%15.77%15.84%15.57%15.22%-36 bps
Total Risk-Based Capital14.45%14.82%15.16%15.58%15.77%15.84%15.57%15.22%-36 bps
Equity / Assets14.69%14.78%15.25%15.41%15.68%15.70%14.89%15.09%-32 bps
Liquidity & Funding
Loans / Deposits100.17%100.21%99.18%98.89%101.29%98.90%86.35%83.53%-1,536 bps
Liquid Assets / Assets11.57%12.23%13.06%13.05%11.55%13.44%20.61%21.41%+836 bps
CRE / Total Capitaln/an/an/an/a77.34%74.97%66.12%n/an/a