Los Alamos, NM · Charter 60467
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
61
Profitability
33
Liquidity
13
Efficiency
31
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.
Los Alamos, NM · Charter 60467
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.80% | 0.77% | 0.61% | 0.45% | -36 bps | |
| Return on Equity | 10.26% | 9.82% | 9.51% | 5.32% | 4.39% | -587 bps | |
| Net Interest Margin | 3.69% | 3.77% | 3.77% | 3.78% | 3.44% | -25 bps | |
| Efficiency Ratio | 77.69% | 75.25% | 75.20% | 83.95% | 84.56% | +688 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.43% | 10.13% | 9.80% | 10.64% | 21.69% | +1,125 bps | |
| Loan Growth (YoY) | 13.63% | 15.59% | 17.29% | 16.69% | 16.91% | +328 bps | |
| Share Growth (YoY) | 9.48% | 9.55% | 8.95% | 5.78% | 5.48% | -400 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.49% | 0.39% | 0.41% | 0.48% | +3 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 | 7.98% | 8.11% | 8.12% | 11.55% | 10.35% | +237 bps | |
| Net Worth / Assets | 7.98% | 8.11% | 8.12% | 11.55% | 10.35% | +237 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.42% | 85.37% | 85.51% | 85.86% | 89.14% | +872 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Los Alamos, NM · Charter 60467 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.45%
Rank 1,180 of 1,683
Net Interest Margin
3.44%
Rank 1,169 of 1,683
Efficiency Ratio
84.55%
Rank 1,168 of 1,682
Equity / Assets
10.35%
Rank 1,276 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,180 / 1,683 | |
| Return on Equity | 4.39% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,036 / 1,681 | |
| Net Interest Margin | 3.44% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,169 / 1,683 | |
| Efficiency Ratio | 84.55% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,168 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 652 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.35% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,276 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.35% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,276 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.14% | 52.61% | 69.38% | 83.50% | 85th pctl | 257 / 1,683 | |
| Loans / Assets | 71.37% | 44.71% | 59.18% | 70.72% | 76th pctl | 398 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||