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Artesia

Artesia, NM · Charter 62783

NCUA · 2 branches

Q2 2026

$172.7MAssets
$115.1MLoans
$144.0MShares
$27.8MNet 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 1.33%, down 54 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 1.08% of loans (+57 bps YoY).
  • Capital: net worth / assets of 16.12%, up 10 bps from a year ago.
  • Funding: loans stand at 79.94% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%-54 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-11 bps YoY

Efficiency Ratio (YTD, annualized)

62.90%+589 bps YoY

Net Worth / Assets

16.12%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%2.01%1.56%1.24%1.33%-54 bps
Return on Equity11.61%12.08%9.65%7.70%8.22%-339 bps
Net Interest Margin3.47%3.56%3.43%3.43%3.35%-11 bps
Efficiency Ratio57.01%55.20%56.73%68.10%62.90%+589 bps
Growth
Asset Growth (YoY)5.38%3.62%4.21%3.94%10.59%+522 bps
Loan Growth (YoY)3.12%0.74%0.51%-0.15%-0.66%-379 bps
Share Growth (YoY)4.23%2.15%2.98%2.18%10.30%+607 bps
Asset Quality
Delinquent Loans / Loans0.51%0.58%0.39%0.82%1.08%+57 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 Capital16.02%16.65%16.20%16.12%16.12%+10 bps
Net Worth / Assets16.02%16.65%16.20%16.12%16.12%+10 bps
Liquidity & Funding
Loans / Shares88.77%88.86%84.21%82.17%79.94%-882 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps