Chacon, NM · Charter 61946
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
24
Asset Quality
20
Profitability
90
Liquidity
12
Efficiency
79
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.
Chacon, NM · Charter 61946
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 | -0.23% | -1.41% | 0.19% | 0.47% | 0.60% | 0.64% | 0.64% | 1.76% | +129 bps | |
| Return on Equity | -1.97% | -12.19% | 1.98% | 4.82% | 5.85% | 6.02% | 6.31% | 17.00% | +1,218 bps | |
| Net Interest Margin | 3.31% | 3.42% | 3.56% | 3.90% | 3.94% | 4.10% | 4.61% | 4.52% | +62 bps | |
| Efficiency Ratio | 104.26% | 130.89% | 95.18% | 90.21% | 87.59% | 87.32% | 88.04% | 67.02% | -2,319 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.63% | -4.40% | 5.22% | 16.75% | 20.92% | 16.21% | 4.39% | 6.94% | -981 bps | |
| Loan Growth (YoY) | 1.40% | 7.14% | 18.30% | 28.42% | 9.68% | 11.94% | 6.79% | 7.35% | -2,107 bps | |
| Share Growth (YoY) | -1.09% | -9.82% | 1.49% | 17.19% | 22.12% | 23.48% | 7.66% | 6.94% | -1,025 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 1.55% | 0.00% | 1.27% | 0.04% | 0.52% | 1.40% | 1.55% | +28 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 | 1.77% | 1.67% | 1.41% | 1.51% | 1.62% | 1.57% | 1.53% | 1.49% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.76% | 11.56% | 9.85% | 9.73% | 10.32% | 10.59% | 10.15% | 10.33% | +60 bps | |
| Net Worth / Assets | 11.76% | 11.56% | 9.85% | 9.73% | 10.32% | 10.59% | 10.15% | 10.33% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.74% | 104.29% | 91.83% | 89.13% | 87.79% | 94.55% | 91.09% | 89.48% | +34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chacon, NM · Charter 61946 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.74%
Rank 148 of 1,683
Net Interest Margin
4.52%
Rank 320 of 1,683
Efficiency Ratio
67.05%
Rank 359 of 1,682
Equity / Assets
10.33%
Rank 1,281 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.74% | 0.35% | 0.74% | 1.18% | Beats 91% | 148 / 1,683 | ||
| Return on Equity | 16.86% | 2.67% | 5.89% | 8.74% | Beats 98% | 27 / 1,681 | ||
| Net Interest Margin | 4.52% | 3.31% | 3.82% | 4.32% | Beats 81% | 320 / 1,683 | ||
| Efficiency Ratio | 67.05% | 68.91% | 78.20% | 86.93% | Beats 79% | 359 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.55% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,344 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.33% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,281 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.33% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,281 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.47% | 52.61% | 69.38% | 83.50% | 85th pctl | 250 / 1,683 | ||
| Loans / Assets | 79.91% | 44.71% | 59.18% | 70.72% | 92nd pctl | 139 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||