Chacon, NM · Charter 61946
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 | 0.47% | 0.60% | 0.64% | 0.64% | 1.76% | +129 bps | |
| Return on Equity | 4.82% | 5.85% | 6.02% | 6.31% | 17.00% | +1,218 bps | |
| Net Interest Margin | 3.90% | 3.94% | 4.10% | 4.61% | 4.52% | +62 bps | |
| Efficiency Ratio | 90.21% | 87.59% | 87.32% | 88.04% | 67.02% | -2,319 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.75% | 20.92% | 16.21% | 4.39% | 6.94% | -981 bps | |
| Loan Growth (YoY) | 28.42% | 9.68% | 11.94% | 6.79% | 7.35% | -2,107 bps | |
| Share Growth (YoY) | 17.19% | 22.12% | 23.48% | 7.66% | 6.94% | -1,025 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.51% | 1.62% | 1.57% | 1.53% | 1.49% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.73% | 10.32% | 10.59% | 10.15% | 10.33% | +60 bps | |
| Net Worth / Assets | 9.73% | 10.32% | 10.59% | 10.15% | 10.33% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |