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Northern New Mexico School Employee

Santa Fe, NM · Charter 4805

NCUA · 1 branch

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.75%1.20%0.87%0.75%1.23%0.90%0.99%+11 bps
Return on Equity11.85%14.96%10.18%7.60%6.52%10.17%7.47%7.90%+30 bps
Net Interest Margin3.60%3.52%3.36%3.23%3.26%3.28%3.33%3.48%+25 bps
Efficiency Ratio66.27%59.43%63.06%65.95%66.81%60.91%74.30%74.01%+806 bps
Growth
Asset Growth (YoY)2.79%8.71%11.15%12.07%10.09%8.16%8.00%2.64%-943 bps
Loan Growth (YoY)-4.20%-3.06%-7.57%-4.16%4.85%1.37%15.99%13.27%+1,743 bps
Share Growth (YoY)3.52%8.68%11.51%12.39%10.34%8.53%8.21%2.23%-1,017 bps
Asset Quality
Delinquent Loans / Loans1.32%1.23%0.80%0.80%0.79%0.80%0.81%1.82%+102 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.25%11.73%11.76%11.48%11.51%12.07%12.04%12.48%+99 bps
Net Worth / Assets11.25%11.73%11.76%11.48%11.51%12.07%12.04%12.48%+99 bps
Liquidity & Funding
Loans / Shares30.72%30.65%28.36%27.73%29.19%28.63%30.40%30.72%+300 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps