Belen, NM · Charter 62841
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 1.23% | 1.25% | 1.39% | 1.15% | -14 bps | |
| Return on Equity | 12.51% | 11.62% | 11.53% | 13.12% | 10.70% | -181 bps | |
| Net Interest Margin | 3.29% | 3.42% | 3.46% | 3.42% | 3.39% | +10 bps | |
| Efficiency Ratio | 64.82% | 61.97% | 62.57% | 58.63% | 62.46% | -236 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.42% | 12.95% | 3.04% | 4.68% | 7.14% | -927 bps | |
| Loan Growth (YoY) | 9.07% | 6.70% | 4.61% | 2.82% | 2.41% | -667 bps | |
| Share Growth (YoY) | 16.76% | 13.72% | 2.07% | 3.49% | 6.62% | -1,014 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.33% | 10.60% | 10.83% | 10.62% | 10.79% | +46 bps | |
| Net Worth / Assets | 10.33% | 10.60% | 10.83% | 10.62% | 10.79% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |