Deming, NM · Charter 61559
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 1.04% | 0.89% | 0.88% | 1.07% | 1.04% | 1.68% | 0.57% | -30 bps | |
| Return on Equity | 0.96% | 4.65% | 3.85% | 3.79% | 4.46% | 4.36% | 6.84% | 2.32% | -148 bps | |
| Net Interest Margin | 2.97% | 4.74% | 4.49% | 4.89% | 5.00% | 5.02% | 4.85% | 4.55% | -34 bps | |
| Efficiency Ratio | 92.62% | 68.58% | 80.24% | 71.08% | 68.99% | 67.78% | 62.65% | 84.21% | +1,313 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.32% | 2.03% | -0.47% | -3.48% | 0.18% | -2.67% | -2.31% | -3.60% | -12 bps | |
| Loan Growth (YoY) | -4.66% | -9.00% | -15.28% | -17.73% | -15.89% | -17.46% | -21.82% | -26.19% | -846 bps | |
| Share Growth (YoY) | -3.22% | 1.21% | -1.98% | -5.72% | -1.08% | -4.47% | -3.97% | -5.67% | +5 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.19% | 0.16% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.40% | 1.67% | 1.58% | 2.03% | 2.24% | 2.38% | 2.55% | 3.21% | +118 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.81% | 22.34% | 23.03% | 23.14% | 23.92% | 23.85% | 24.50% | 24.76% | +162 bps | |
| Net Worth / Assets | 22.81% | 22.34% | 23.03% | 23.14% | 23.92% | 23.85% | 24.50% | 24.76% | +162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.94% | 59.51% | 57.20% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |