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 (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 | 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 | |