Deming, NM · Charter 61559
NCUA · 1 branch
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 | 0.88% | 1.07% | 1.04% | 1.68% | 0.57% | -30 bps | |
| Return on Equity | 3.79% | 4.46% | 4.36% | 6.84% | 2.32% | -148 bps | |
| Net Interest Margin | 4.89% | 5.00% | 5.02% | 4.85% | 4.55% | -34 bps | |
| Efficiency Ratio | 71.08% | 68.99% | 67.78% | 62.65% | 84.21% | +1,313 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.48% | 0.18% | -2.67% | -2.31% | -3.60% | -12 bps | |
| Loan Growth (YoY) | -17.73% | -15.89% | -17.46% | -21.82% | -26.19% | -846 bps | |
| Share Growth (YoY) | -5.72% | -1.08% | -4.47% | -3.97% | -5.67% | +5 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 1.13% | 0.99% | 2.02% | 0.11% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.03% | 2.24% | 2.38% | 2.55% | 3.21% | +118 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.14% | 23.92% | 23.85% | 24.50% | 24.76% | +162 bps | |
| Net Worth / Assets | 23.14% | 23.92% | 23.85% | 24.50% | 24.76% | +162 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.81% | 53.51% | 51.41% | 46.57% | 40.54% | -1,127 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |