Los Alamos, NM · Charter 60467
NCUA · 3 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 | 0.52% | 0.53% | 0.50% | 0.82% | 0.80% | 0.77% | 0.61% | 0.45% | -36 bps | |
| Return on Equity | 6.42% | 6.56% | 6.30% | 10.26% | 9.82% | 9.51% | 5.32% | 4.39% | -587 bps | |
| Net Interest Margin | 3.51% | 3.50% | 3.65% | 3.69% | 3.77% | 3.77% | 3.78% | 3.44% | -25 bps | |
| Efficiency Ratio | 84.69% | 83.72% | 83.63% | 77.69% | 75.25% | 75.20% | 83.95% | 84.56% | +688 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.15% | 6.73% | 8.85% | 10.43% | 10.13% | 9.80% | 10.64% | 21.69% | +1,125 bps | |
| Loan Growth (YoY) | 6.52% | 7.80% | 10.95% | 13.63% | 15.59% | 17.29% | 16.69% | 16.91% | +328 bps | |
| Share Growth (YoY) | 4.80% | 6.09% | 8.03% | 9.48% | 9.55% | 8.95% | 5.78% | 5.48% | -400 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.51% | 0.35% | 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 | 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 | 8.12% | 8.07% | 7.87% | 7.98% | 8.11% | 8.12% | 11.55% | 10.35% | +237 bps | |
| Net Worth / Assets | 8.12% | 8.07% | 7.87% | 7.98% | 8.11% | 8.12% | 11.55% | 10.35% | +237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.90% | 79.43% | 77.83% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |