Los Alamos, NM · Charter 61165
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.72% | 0.72% | 0.92% | 0.69% | +9 bps | |
| Return on Equity | 5.60% | 6.42% | 6.42% | 7.95% | 5.90% | +31 bps | |
| Net Interest Margin | 3.45% | 3.76% | 3.81% | 3.94% | 3.88% | +44 bps | |
| Efficiency Ratio | 84.32% | 81.23% | 81.06% | 79.64% | 81.80% | -252 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.50% | 0.73% | -0.74% | -2.83% | -3.11% | -760 bps | |
| Loan Growth (YoY) | -3.44% | -0.52% | -2.03% | -3.59% | -3.72% | -28 bps | |
| Share Growth (YoY) | 3.59% | -0.53% | -1.74% | -3.82% | -3.62% | -722 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.73% | 11.18% | 11.18% | 11.62% | 11.68% | +95 bps | |
| Net Worth / Assets | 10.73% | 11.18% | 11.18% | 11.62% | 11.68% | +95 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |