Los Alamos, NM · Charter 61165
NCUA · 2 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
38
Asset Quality
46
Profitability
50
Liquidity
97
Efficiency
39
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 61165
NCUA · 2 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 | 0.68% | 0.78% | 0.83% | 0.60% | 0.72% | 0.72% | 0.92% | 0.69% | +9 bps | |
| Return on Equity | 6.43% | 7.44% | 7.71% | 5.60% | 6.42% | 6.42% | 7.95% | 5.90% | +31 bps | |
| Net Interest Margin | 3.53% | 3.53% | 3.33% | 3.45% | 3.76% | 3.81% | 3.94% | 3.88% | +44 bps | |
| Efficiency Ratio | 75.83% | 74.36% | 77.77% | 84.32% | 81.23% | 81.06% | 79.64% | 81.80% | -252 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.23% | 9.15% | 3.95% | 4.50% | 0.73% | -0.74% | -2.83% | -3.11% | -760 bps | |
| Loan Growth (YoY) | -1.22% | -5.56% | -6.52% | -3.44% | -0.52% | -2.03% | -3.59% | -3.72% | -28 bps | |
| Share Growth (YoY) | 8.55% | 9.52% | 3.53% | 3.59% | -0.53% | -1.74% | -3.82% | -3.62% | -722 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.67% | 0.20% | 0.42% | 0.23% | 0.62% | 0.37% | 0.74% | +32 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 | 10.59% | 10.54% | 10.71% | 10.73% | 11.18% | 11.18% | 11.62% | 11.68% | +95 bps | |
| Net Worth / Assets | 10.59% | 10.54% | 10.71% | 10.73% | 11.18% | 11.18% | 11.62% | 11.68% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.94% | 69.59% | 69.66% | 70.24% | 71.94% | 69.39% | 69.83% | 70.17% | -7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Los Alamos, NM · Charter 61165 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.69%
Rank 904 of 1,683
Net Interest Margin
3.88%
Rank 782 of 1,683
Efficiency Ratio
81.86%
Rank 1,026 of 1,682
Equity / Assets
11.68%
Rank 1,047 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 46% | 904 / 1,683 | ||
| Return on Equity | 5.88% | 2.67% | 5.89% | 8.74% | Beats 50% | 844 / 1,681 | ||
| Net Interest Margin | 3.88% | 3.31% | 3.82% | 4.32% | Beats 54% | 782 / 1,683 | ||
| Efficiency Ratio | 81.86% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,026 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.26% | 0.65% | 1.29% | Beats 46% | 912 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.68% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,047 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.68% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,047 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.17% | 52.61% | 69.38% | 83.50% | 51st pctl | 822 / 1,683 | ||
| Loans / Assets | 61.85% | 44.71% | 59.18% | 70.72% | 56th pctl | 736 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||