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Northern New Mexico School Employee

Santa Fe, NM · Charter 4805

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

70

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

78

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northern New Mexico School Employee

Santa Fe, NM · Charter 4805

NCUA · 1 branch

Q2 2026

$44.5MAssets
$11.6MLoans
$37.9MShares
$5.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.99%, up 11 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 1.82% of loans (+102 bps YoY).
  • Capital: net worth / assets of 12.48%, up 99 bps from a year ago.
  • Funding: loans stand at 30.72% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+25 bps YoY

Efficiency Ratio (YTD, annualized)

74.01%+806 bps YoY

Net Worth / Assets

12.48%+99 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.75%1.23%0.90%0.99%+11 bps
Return on Equity7.60%6.52%10.17%7.47%7.90%+30 bps
Net Interest Margin3.23%3.26%3.28%3.33%3.48%+25 bps
Efficiency Ratio65.95%66.81%60.91%74.30%74.01%+806 bps
Growth
Asset Growth (YoY)12.07%10.09%8.16%8.00%2.64%-943 bps
Loan Growth (YoY)-4.16%4.85%1.37%15.99%13.27%+1,743 bps
Share Growth (YoY)12.39%10.34%8.53%8.21%2.23%-1,017 bps
Asset Quality
Delinquent Loans / Loans0.80%0.79%0.80%0.81%1.82%+102 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.48%11.51%12.07%12.04%12.48%+99 bps
Net Worth / Assets11.48%11.51%12.07%12.04%12.48%+99 bps
Liquidity & Funding
Loans / Shares27.73%29.19%28.63%30.40%30.72%+300 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Northern New Mexico School Employee

Santa Fe, NM · Charter 4805 · Peer group: credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (n=23)

NCUA · 1 branch

Q2 2026

$44.5MAssets
$11.6MLoans
$37.9MShares
$5.6MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 83% of credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (rank 4 of 23).
  • Widest gap: nonperforming loans / loans trails 78% of credit unions under $1B in assets in the Denver-Aurora-Centennial, CO area (rank 19 of 23).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.99%

Rank 6 of 23

Net Interest Margin

3.48%

Rank 12 of 23

Efficiency Ratio

73.94%

Rank 6 of 23

Equity / Assets

12.48%

Rank 7 of 23

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.05%0.36%0.99%Beats 74%6 / 23
Return on Equity7.92%0.56%3.49%7.31%Beats 83%4 / 23
Net Interest Margin3.48%3.13%3.48%3.80%Beats 48%12 / 23
Efficiency Ratio73.94%73.94%83.38%93.84%Beats 78%6 / 23
Asset Quality
Nonperforming Loans / Loans1.81%0.43%0.95%1.77%Beats 22%19 / 23
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.48%8.31%9.81%13.01%Beats 70%7 / 23
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.48%8.31%9.81%13.01%Beats 70%7 / 23
Liquidity & Funding
Loans / Deposits30.72%65.11%76.01%85.36%0th pctl23 / 23
Loans / Assets26.13%56.54%66.35%73.30%0th pctl23 / 23
Brokered Deposits / Depositsn/aNot reported for this institution