Alamosa, CO · Charter 63468
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 | 0.84% | 0.93% | 0.61% | 1.16% | 1.12% | 1.18% | -1.40% | -0.15% | -131 bps | |
| Return on Equity | 3.63% | 4.84% | 2.83% | 5.31% | 5.04% | 5.23% | -6.67% | -0.66% | -597 bps | |
| Net Interest Margin | 7.28% | 6.00% | 6.10% | 6.40% | 6.30% | 6.42% | 6.23% | 6.46% | +7 bps | |
| Efficiency Ratio | 73.59% | 74.15% | 90.69% | 83.24% | 83.61% | 83.15% | 83.28% | 83.23% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.54% | 15.66% | 3.01% | 8.00% | 10.11% | -9.67% | 6.56% | 1.81% | -619 bps | |
| Loan Growth (YoY) | -6.77% | -2.61% | -3.36% | 4.47% | 0.99% | 1.43% | 4.22% | -1.85% | -632 bps | |
| Share Growth (YoY) | -10.78% | 18.50% | 2.75% | 8.81% | 11.22% | -13.35% | 7.58% | 1.61% | -719 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.05% | 5.03% | 3.45% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.19% | 2.15% | 1.87% | 1.84% | 1.80% | 1.76% | 1.72% | 1.80% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.13% | 19.24% | 21.68% | 21.84% | 22.31% | 22.47% | 20.96% | 21.96% | +12 bps | |
| Net Worth / Assets | 23.13% | 19.24% | 21.68% | 21.84% | 22.31% | 22.47% | 20.96% | 21.96% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.72% | 84.90% | 95.03% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |