Albuquerque, NM · Charter 62573
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |