Los Alamos, NM · Charter 64759
NCUA · 9 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
75
Profitability
62
Liquidity
46
Efficiency
80
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.
Los Alamos, NM · Charter 64759
NCUA · 9 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 | 0.95% | 0.92% | 0.80% | 0.99% | 0.98% | 1.04% | 0.98% | 0.78% | -21 bps | |
| Return on Equity | 9.89% | 9.68% | 8.91% | 10.67% | 10.34% | 10.80% | 10.32% | 8.25% | -242 bps | |
| Net Interest Margin | 3.47% | 3.43% | 3.51% | 3.67% | 3.81% | 3.82% | 3.89% | 3.88% | +21 bps | |
| Efficiency Ratio | 68.88% | 68.23% | 70.31% | 66.66% | 65.45% | 64.01% | 64.27% | 63.00% | -366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.20% | 21.21% | 21.87% | 16.94% | 10.89% | 9.25% | 5.93% | 8.07% | -887 bps | |
| Loan Growth (YoY) | 8.81% | 6.23% | 5.16% | 5.28% | 5.91% | 5.04% | 5.25% | 6.82% | +155 bps | |
| Share Growth (YoY) | 19.61% | 22.24% | 22.56% | 17.24% | 10.80% | 8.68% | 5.13% | 7.66% | -957 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.60% | 0.49% | 0.49% | 0.48% | 0.69% | 0.52% | 0.45% | -3 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 | 9.58% | 9.49% | 9.02% | 9.27% | 9.51% | 9.65% | 9.50% | 9.43% | +15 bps | |
| Net Worth / Assets | 9.58% | 9.49% | 9.02% | 9.27% | 9.51% | 9.65% | 9.50% | 9.43% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.06% | 78.97% | 75.11% | 76.14% | 77.48% | 76.33% | 75.19% | 75.54% | -60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Los Alamos, NM · Charter 64759 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
Return on Assets
0.78%
Rank 233 of 435
Net Interest Margin
3.88%
Rank 80 of 435
Efficiency Ratio
63.00%
Rank 88 of 435
Equity / Assets
9.43%
Rank 357 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.78% | 0.55% | 0.81% | 1.14% | Beats 46% | 233 / 435 | ||
| Return on Equity | 8.25% | 5.12% | 7.41% | 9.70% | Beats 59% | 179 / 435 | ||
| Net Interest Margin | 3.88% | 3.01% | 3.39% | 3.75% | Beats 82% | 80 / 435 | ||
| Efficiency Ratio | 63.00% | 65.25% | 71.39% | 77.86% | Beats 80% | 88 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.45% | 0.69% | 1.05% | Beats 75% | 109 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.43% | 9.81% | 10.84% | 12.63% | Beats 18% | 357 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.43% | 9.81% | 10.84% | 12.63% | Beats 18% | 357 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.54% | 78.33% | 88.38% | 95.61% | 21st pctl | 344 / 435 | ||
| Loans / Assets | 67.69% | 67.69% | 74.58% | 80.80% | 25th pctl | 327 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||