PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jemez Valley

Jemez Springs, NM · Charter 62637

NCUA · 2 branches

Q2 2026

$27.3MAssets
$10.7MLoans
$23.8MShares
$3.4MNet 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 -0.21%, up 4 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 1.00% of loans (-63 bps YoY).
  • Capital: net worth / assets of 12.64%, up 34 bps from a year ago.
  • Funding: loans stand at 44.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.21%+4 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+72 bps YoY

Efficiency Ratio (YTD, annualized)

94.69%+35 bps YoY

Net Worth / Assets

12.64%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.25%-0.05%-0.24%0.27%-0.21%+4 bps
Return on Equity-2.05%-0.39%-1.89%2.23%-1.68%+36 bps
Net Interest Margin3.58%3.83%3.81%4.01%4.30%+72 bps
Efficiency Ratio94.33%92.55%98.28%94.38%94.69%+35 bps
Growth
Asset Growth (YoY)-4.38%-4.67%-2.39%-2.09%-4.31%+6 bps
Loan Growth (YoY)-6.77%-10.66%-8.19%-5.09%-1.89%+488 bps
Share Growth (YoY)-3.64%-4.44%-2.55%-2.17%-4.22%-59 bps
Asset Quality
Delinquent Loans / Loans1.63%3.66%3.54%0.82%1.00%-63 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 Capital12.30%12.86%12.61%12.34%12.64%+34 bps
Net Worth / Assets12.30%12.86%12.61%12.34%12.64%+34 bps
Liquidity & Funding
Loans / Shares43.90%44.25%43.96%43.05%44.97%+107 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps