Albuquerque, NM · Charter 62573
NCUA · 8 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
11
Asset Quality
41
Profitability
39
Liquidity
93
Efficiency
44
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.
Albuquerque, NM · Charter 62573
NCUA · 8 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 | -1.91% | -1.39% | 0.65% | 1.35% | 1.02% | 0.84% | 0.35% | 0.48% | -87 bps | |
| Return on Equity | -23.82% | -17.68% | 8.06% | 15.56% | 11.55% | 9.40% | 3.94% | 5.34% | -1,023 bps | |
| Net Interest Margin | 3.14% | 3.11% | 3.29% | 3.32% | 3.41% | 3.52% | 3.57% | 3.63% | +31 bps | |
| Efficiency Ratio | 96.45% | 91.85% | 74.28% | 61.39% | 65.57% | 68.25% | 84.26% | 80.21% | +1,882 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.82% | 10.69% | 8.29% | 4.47% | -0.58% | -3.52% | -1.61% | 0.47% | -401 bps | |
| Loan Growth (YoY) | -8.98% | -7.71% | -6.37% | -2.95% | -4.25% | -4.18% | 1.09% | 5.80% | +875 bps | |
| Share Growth (YoY) | 9.96% | 13.97% | 10.10% | 7.13% | 0.27% | -2.98% | -1.24% | -0.67% | -780 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.33% | 1.35% | 1.45% | 1.62% | 1.35% | 0.86% | 0.86% | -59 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.01% | 7.85% | 8.02% | 8.70% | 8.83% | 8.98% | 8.90% | 9.06% | +36 bps | |
| Net Worth / Assets | 8.01% | 7.85% | 8.02% | 8.70% | 8.83% | 8.98% | 8.90% | 9.06% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.02% | 67.06% | 66.02% | 66.72% | 65.91% | 66.23% | 67.57% | 71.07% | +434 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Albuquerque, NM · Charter 62573 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.48%
Rank 1,155 of 1,683
Net Interest Margin
3.63%
Rank 1,010 of 1,683
Efficiency Ratio
80.21%
Rank 945 of 1,682
Equity / Assets
9.06%
Rank 1,500 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,155 / 1,683 | ||
| Return on Equity | 5.34% | 2.67% | 5.89% | 8.74% | Beats 45% | 921 / 1,681 | ||
| Net Interest Margin | 3.63% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,010 / 1,683 | ||
| Efficiency Ratio | 80.21% | 68.91% | 78.20% | 86.93% | Beats 44% | 945 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.26% | 0.65% | 1.29% | Beats 41% | 999 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.06% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,500 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.06% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,500 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.07% | 52.61% | 69.38% | 83.50% | 53rd pctl | 789 / 1,683 | ||
| Loans / Assets | 64.67% | 44.71% | 59.18% | 70.72% | 62nd pctl | 639 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||