Carlsbad, NM · Charter 62452
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
75
Asset Quality
48
Profitability
57
Liquidity
14
Efficiency
43
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.
Carlsbad, NM · Charter 62452
NCUA · 2 branches
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 | 2.04% | 1.83% | 1.53% | 1.08% | 0.96% | -109 bps | |
| Return on Equity | 12.78% | 11.05% | 9.24% | 6.58% | 5.75% | -703 bps | |
| Net Interest Margin | 3.89% | 4.01% | 4.04% | 3.98% | 4.00% | +11 bps | |
| Efficiency Ratio | 64.09% | 68.67% | 72.51% | 77.50% | 80.84% | +1,675 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.89% | 2.13% | 6.43% | 5.09% | 2.03% | -286 bps | |
| Loan Growth (YoY) | 0.64% | 0.07% | 5.67% | 6.16% | 4.32% | +368 bps | |
| Share Growth (YoY) | 3.57% | 0.25% | 5.91% | 4.88% | 1.23% | -233 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.14% | 1.28% | 1.38% | 0.93% | 0.69% | -45 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 | 15.97% | 16.53% | 16.58% | 16.34% | 16.62% | +65 bps | |
| Net Worth / Assets | 15.97% | 16.53% | 16.58% | 16.34% | 16.62% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.22% | 86.99% | 90.94% | 85.69% | 88.85% | +263 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Carlsbad, NM · Charter 62452 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.96%
Rank 630 of 1,683
Net Interest Margin
4.00%
Rank 674 of 1,683
Efficiency Ratio
80.84%
Rank 967 of 1,682
Equity / Assets
16.62%
Rank 414 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.35% | 0.74% | 1.18% | Beats 63% | 630 / 1,683 | |
| Return on Equity | 5.75% | 2.67% | 5.89% | 8.74% | Beats 49% | 862 / 1,681 | |
| Net Interest Margin | 4.00% | 3.31% | 3.82% | 4.32% | Beats 60% | 674 / 1,683 | |
| Efficiency Ratio | 80.84% | 68.91% | 78.20% | 86.93% | Beats 43% | 967 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.26% | 0.65% | 1.29% | Beats 48% | 870 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.62% | 10.44% | 12.89% | 16.53% | Beats 75% | 414 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.62% | 10.44% | 12.89% | 16.53% | Beats 75% | 414 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.85% | 52.61% | 69.38% | 83.50% | 84th pctl | 263 / 1,683 | |
| Loans / Assets | 73.87% | 44.71% | 59.18% | 70.72% | 81st pctl | 314 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||