Albuquerque, NM · Charter 5851
NCUA · 15 branches
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 | 0.24% | 0.15% | -0.32% | 0.04% | 0.08% | 0.12% | 0.27% | 0.37% | +34 bps | |
| Return on Equity | 2.44% | 1.57% | -3.41% | 0.39% | 0.89% | 1.42% | 3.03% | 4.17% | +378 bps | |
| Net Interest Margin | 2.15% | 2.25% | 2.41% | 2.48% | 2.45% | 2.47% | 2.75% | 2.77% | +29 bps | |
| Efficiency Ratio | 79.28% | 82.22% | 89.96% | 80.81% | 79.62% | 78.57% | 79.74% | 78.42% | -239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.27% | 7.64% | 2.93% | 5.83% | 8.67% | 13.64% | 7.07% | 6.12% | +29 bps | |
| Loan Growth (YoY) | 21.58% | 19.44% | 20.31% | 18.13% | 22.07% | 22.26% | 18.48% | 19.66% | +153 bps | |
| Share Growth (YoY) | 0.49% | 2.07% | 6.73% | 4.82% | 4.38% | 5.33% | 0.67% | 5.11% | +29 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.46% | 0.46% | 0.51% | 0.56% | 0.49% | 0.37% | 0.40% | -11 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.68% | 9.83% | 9.30% | 9.21% | 8.88% | 8.71% | 8.89% | 8.91% | -30 bps | |
| Net Worth / Assets | 9.68% | 9.83% | 9.30% | 9.21% | 8.88% | 8.71% | 8.89% | 8.91% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.43% | 76.49% | 76.62% | 82.00% | 88.21% | 88.78% | 90.17% | 93.34% | +1,135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |