Belen, NM · Charter 62841
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
59
Profitability
63
Liquidity
97
Efficiency
86
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Belen, NM · Charter 62841
NCUA · 1 branch
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 | 0.93% | 0.77% | 0.59% | 1.29% | 1.23% | 1.25% | 1.39% | 1.15% | -14 bps | |
| Return on Equity | 8.66% | 7.81% | 6.09% | 12.51% | 11.62% | 11.53% | 13.12% | 10.70% | -181 bps | |
| Net Interest Margin | 2.98% | 2.75% | 3.03% | 3.29% | 3.42% | 3.46% | 3.42% | 3.39% | +10 bps | |
| Efficiency Ratio | 73.74% | 76.23% | 81.65% | 64.82% | 61.97% | 62.57% | 58.63% | 62.46% | -236 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.47% | 14.76% | 15.32% | 16.42% | 12.95% | 3.04% | 4.68% | 7.14% | -927 bps | |
| Loan Growth (YoY) | 13.29% | 10.40% | 11.04% | 9.07% | 6.70% | 4.61% | 2.82% | 2.41% | -667 bps | |
| Share Growth (YoY) | 3.69% | 15.79% | 16.12% | 16.76% | 13.72% | 2.07% | 3.49% | 6.62% | -1,014 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.35% | 0.36% | 0.32% | 0.47% | 0.53% | 0.72% | 0.51% | +19 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 | 10.78% | 9.88% | 9.66% | 10.33% | 10.60% | 10.83% | 10.62% | 10.79% | +46 bps | |
| Net Worth / Assets | 10.78% | 9.88% | 9.66% | 10.33% | 10.60% | 10.83% | 10.62% | 10.79% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.91% | 69.62% | 69.01% | 72.94% | 72.16% | 71.35% | 68.57% | 70.06% | -288 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Belen, NM · Charter 62841 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.15%
Rank 445 of 1,683
Net Interest Margin
3.39%
Rank 1,204 of 1,683
Efficiency Ratio
62.48%
Rank 232 of 1,682
Equity / Assets
10.80%
Rank 1,195 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 74% | 445 / 1,683 | ||
| Return on Equity | 10.69% | 2.67% | 5.89% | 8.74% | Beats 86% | 227 / 1,681 | ||
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,204 / 1,683 | ||
| Efficiency Ratio | 62.48% | 68.91% | 78.20% | 86.93% | Beats 86% | 232 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.26% | 0.65% | 1.29% | Beats 59% | 696 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.80% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,195 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.80% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,195 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.06% | 52.61% | 69.38% | 83.50% | 51st pctl | 824 / 1,683 | ||
| Loans / Assets | 61.79% | 44.71% | 59.18% | 70.72% | 56th pctl | 739 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||