Alamosa, CO · Charter 63468
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
90
Asset Quality
11
Profitability
40
Liquidity
0
Efficiency
35
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.
Alamosa, CO · Charter 63468
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 | 1.16% | 1.12% | 1.18% | -1.40% | -0.15% | -131 bps | |
| Return on Equity | 5.31% | 5.04% | 5.23% | -6.67% | -0.66% | -597 bps | |
| Net Interest Margin | 6.40% | 6.30% | 6.42% | 6.23% | 6.46% | +7 bps | |
| Efficiency Ratio | 83.24% | 83.61% | 83.15% | 83.28% | 83.23% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.00% | 10.11% | -9.67% | 6.56% | 1.81% | -619 bps | |
| Loan Growth (YoY) | 4.47% | 0.99% | 1.43% | 4.22% | -1.85% | -632 bps | |
| Share Growth (YoY) | 8.81% | 11.22% | -13.35% | 7.58% | 1.61% | -719 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.63% | 5.00% | 4.53% | 2.76% | 2.42% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.84% | 1.80% | 1.76% | 1.72% | 1.80% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.84% | 22.31% | 22.47% | 20.96% | 21.96% | +12 bps | |
| Net Worth / Assets | 21.84% | 22.31% | 22.47% | 20.96% | 21.96% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.73% | 97.81% | 99.39% | 92.06% | 92.47% | -326 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alamosa, CO · Charter 63468 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.13%
Rank 1,517 of 1,683
Net Interest Margin
6.47%
Rank 22 of 1,683
Efficiency Ratio
83.02%
Rank 1,089 of 1,682
Equity / Assets
21.95%
Rank 162 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,517 / 1,683 | |
| Return on Equity | -0.59% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,510 / 1,681 | |
| Net Interest Margin | 6.47% | 3.31% | 3.82% | 4.32% | Beats 99% | 22 / 1,683 | |
| Efficiency Ratio | 83.02% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,089 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.41% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,500 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.95% | 10.44% | 12.89% | 16.53% | Beats 90% | 162 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.95% | 10.44% | 12.89% | 16.53% | Beats 90% | 162 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.47% | 52.61% | 69.38% | 83.50% | 90th pctl | 163 / 1,683 | |
| Loans / Assets | 72.06% | 44.71% | 59.18% | 70.72% | 78th pctl | 375 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||