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 | |