Santa Fe, NM · Charter 65513
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
60
Asset Quality
1
Profitability
65
Liquidity
79
Efficiency
64
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.
Santa Fe, NM · Charter 65513
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 | 0.38% | 0.53% | 1.16% | 1.24% | 1.15% | 1.26% | 0.66% | 0.91% | -33 bps | |
| Return on Equity | 3.85% | 5.23% | 11.58% | 12.10% | 10.94% | 11.52% | 6.01% | 8.03% | -407 bps | |
| Net Interest Margin | 2.80% | 2.87% | 3.21% | 3.31% | 3.38% | 3.45% | 3.54% | 3.77% | +46 bps | |
| Efficiency Ratio | 70.50% | 70.91% | 69.35% | 65.25% | 67.53% | 63.95% | 72.97% | 67.75% | +250 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.07% | 8.75% | 15.56% | 10.11% | 5.33% | 3.14% | 1.02% | -1.07% | -1,118 bps | |
| Loan Growth (YoY) | 0.21% | 0.20% | -0.10% | 3.88% | 2.07% | 4.36% | 7.38% | 7.26% | +338 bps | |
| Share Growth (YoY) | 18.82% | 17.81% | 15.67% | 9.65% | 4.12% | 1.64% | 0.12% | -2.19% | -1,183 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 1.52% | 2.02% | 3.66% | 4.50% | 5.10% | 4.89% | 4.46% | +81 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 | 10.00% | 10.03% | 10.00% | 10.28% | 10.51% | 10.90% | 10.93% | 11.38% | +110 bps | |
| Net Worth / Assets | 10.00% | 10.03% | 10.00% | 10.28% | 10.51% | 10.90% | 10.93% | 11.38% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.56% | 78.54% | 75.27% | 76.07% | 76.03% | 80.64% | 80.73% | 83.42% | +735 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Santa Fe, NM · Charter 65513 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
Return on Assets
0.91%
Rank 171 of 435
Net Interest Margin
3.77%
Rank 100 of 435
Efficiency Ratio
67.75%
Rank 156 of 435
Equity / Assets
11.38%
Rank 172 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.55% | 0.81% | 1.14% | Beats 61% | 171 / 435 | ||
| Return on Equity | 8.03% | 5.12% | 7.41% | 9.70% | Beats 56% | 193 / 435 | ||
| Net Interest Margin | 3.77% | 3.01% | 3.39% | 3.75% | Beats 77% | 100 / 435 | ||
| Efficiency Ratio | 67.75% | 65.25% | 71.39% | 77.86% | Beats 64% | 156 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.46% | 0.45% | 0.69% | 1.05% | Beats 1% | 433 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.38% | 9.81% | 10.84% | 12.63% | Beats 60% | 172 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.38% | 9.81% | 10.84% | 12.63% | Beats 60% | 172 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.42% | 78.33% | 88.38% | 95.61% | 36th pctl | 277 / 435 | ||
| Loans / Assets | 73.68% | 67.69% | 74.58% | 80.80% | 46th pctl | 235 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||