PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Financial Security

Carlsbad, NM · Charter 62452

NCUA · 2 branches

Q2 2026

$63.6MAssets
$47.0MLoans
$52.8MShares
$10.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.96%, down 109 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.69% of loans (-45 bps YoY).
  • Capital: net worth / assets of 16.62%, up 65 bps from a year ago.
  • Funding: loans stand at 88.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%-109 bps YoY

Net Interest Margin (YTD, annualized)

4.00%+11 bps YoY

Efficiency Ratio (YTD, annualized)

80.84%+1,675 bps YoY

Net Worth / Assets

16.62%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.04%1.83%1.53%1.08%0.96%-109 bps
Return on Equity12.78%11.05%9.24%6.58%5.75%-703 bps
Net Interest Margin3.89%4.01%4.04%3.98%4.00%+11 bps
Efficiency Ratio64.09%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 / Loans1.14%1.28%1.38%0.93%0.69%-45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.97%16.53%16.58%16.34%16.62%+65 bps
Net Worth / Assets15.97%16.53%16.58%16.34%16.62%+65 bps
Liquidity & Funding
Loans / Shares86.22%86.99%90.94%85.69%88.85%+263 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps