Jemez Springs, NM · Charter 62637
NCUA · 2 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 | 0.19% | 0.06% | 0.09% | -0.25% | -0.05% | -0.24% | 0.27% | -0.21% | +4 bps | |
| Return on Equity | 1.49% | 0.49% | 0.79% | -2.05% | -0.39% | -1.89% | 2.23% | -1.68% | +36 bps | |
| Net Interest Margin | 3.67% | 3.69% | 3.44% | 3.58% | 3.83% | 3.81% | 4.01% | 4.30% | +72 bps | |
| Efficiency Ratio | 94.17% | 97.45% | 97.78% | 94.33% | 92.55% | 98.28% | 94.38% | 94.69% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.31% | -5.68% | -2.07% | -4.38% | -4.67% | -2.39% | -2.09% | -4.31% | +6 bps | |
| Loan Growth (YoY) | -2.97% | -2.64% | -3.63% | -6.77% | -10.66% | -8.19% | -5.09% | -1.89% | +488 bps | |
| Share Growth (YoY) | -3.36% | -5.03% | -1.12% | -3.64% | -4.44% | -2.55% | -2.17% | -4.22% | -59 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.08% | 4.97% | 1.28% | 1.63% | 3.66% | 3.54% | 0.82% | 1.00% | -63 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 | 13.06% | 12.28% | 12.01% | 12.30% | 12.86% | 12.61% | 12.34% | 12.64% | +34 bps | |
| Net Worth / Assets | 13.06% | 12.28% | 12.01% | 12.30% | 12.86% | 12.61% | 12.34% | 12.64% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.34% | 46.66% | 44.37% | 43.90% | 44.25% | 43.96% | 43.05% | 44.97% | +107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |