Artesia, NM · Charter 62783
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 | 1.59% | 1.55% | 1.46% | 1.86% | 2.01% | 1.56% | 1.24% | 1.33% | -54 bps | |
| Return on Equity | 10.42% | 10.32% | 9.78% | 11.61% | 12.08% | 9.65% | 7.70% | 8.22% | -339 bps | |
| Net Interest Margin | 3.12% | 3.06% | 3.22% | 3.47% | 3.56% | 3.43% | 3.43% | 3.35% | -11 bps | |
| Efficiency Ratio | 57.81% | 58.12% | 65.65% | 57.01% | 55.20% | 56.73% | 68.10% | 62.90% | +589 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.33% | 5.91% | 7.71% | 5.38% | 3.62% | 4.21% | 3.94% | 10.59% | +522 bps | |
| Loan Growth (YoY) | 8.08% | 7.86% | 5.58% | 3.12% | 0.74% | 0.51% | -0.15% | -0.66% | -379 bps | |
| Share Growth (YoY) | 1.01% | 5.01% | 7.14% | 4.23% | 2.15% | 2.98% | 2.18% | 10.30% | +607 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 0.85% | 0.34% | 0.51% | 0.58% | 0.39% | 0.82% | 1.08% | +57 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 | 15.26% | 15.02% | 14.91% | 16.02% | 16.65% | 16.20% | 16.12% | 16.12% | +10 bps | |
| Net Worth / Assets | 15.26% | 15.02% | 14.91% | 16.02% | 16.65% | 16.20% | 16.12% | 16.12% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.10% | 86.28% | 84.09% | 88.77% | 88.86% | 84.21% | 82.17% | 79.94% | -882 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |