Santa Fe, NM · Charter 65513
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.15% | 1.26% | 0.66% | 0.91% | -33 bps | |
| Return on Equity | 12.10% | 10.94% | 11.52% | 6.01% | 8.03% | -407 bps | |
| Net Interest Margin | 3.31% | 3.38% | 3.45% | 3.54% | 3.77% | +46 bps | |
| Efficiency Ratio | 65.25% | 67.53% | 63.95% | 72.97% | 67.75% | +250 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.11% | 5.33% | 3.14% | 1.02% | -1.07% | -1,118 bps | |
| Loan Growth (YoY) | 3.88% | 2.07% | 4.36% | 7.38% | 7.26% | +338 bps | |
| Share Growth (YoY) | 9.65% | 4.12% | 1.64% | 0.12% | -2.19% | -1,183 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.28% | 10.51% | 10.90% | 10.93% | 11.38% | +110 bps | |
| Net Worth / Assets | 10.28% | 10.51% | 10.90% | 10.93% | 11.38% | +110 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |