Cuba, NM · Charter 66097
NCUA · 1 branch
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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
100
Profitability
43
Liquidity
0
Efficiency
59
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.
Cuba, NM · Charter 66097
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 | 1.65% | 1.57% | 2.50% | 1.84% | 1.67% | 1.48% | 0.90% | 0.92% | -92 bps | |
| Return on Equity | 9.46% | 9.08% | 14.53% | 10.71% | 9.39% | 8.32% | 4.99% | 5.00% | -571 bps | |
| Net Interest Margin | 4.54% | 4.33% | 4.00% | 3.77% | 3.78% | 3.75% | 3.46% | 3.35% | -42 bps | |
| Efficiency Ratio | 62.69% | 63.19% | 57.69% | 62.51% | 64.06% | 66.77% | 75.38% | 75.16% | +1,265 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.25% | 3.54% | 6.31% | 9.15% | 8.33% | 5.96% | 1.60% | -1.21% | -1,036 bps | |
| Loan Growth (YoY) | 4.53% | 6.13% | 1.60% | 1.67% | -2.90% | -5.30% | 1.81% | 2.92% | +125 bps | |
| Share Growth (YoY) | -2.36% | 2.25% | 5.23% | 8.85% | 7.99% | 5.29% | 0.59% | -2.71% | -1,156 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.13% | 0.00% | 0.13% | 0.00% | 0.15% | 0.30% | 0.00% | -13 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 | 17.47% | 17.27% | 17.21% | 17.16% | 17.73% | 17.78% | 18.03% | 18.39% | +123 bps | |
| Net Worth / Assets | 17.47% | 17.27% | 17.21% | 17.16% | 17.73% | 17.78% | 18.03% | 18.39% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.97% | 38.16% | 35.79% | 35.27% | 35.04% | 34.32% | 36.22% | 37.31% | +204 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cuba, NM · Charter 66097 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.92%
Rank 655 of 1,683
Net Interest Margin
3.35%
Rank 1,246 of 1,683
Efficiency Ratio
75.17%
Rank 683 of 1,682
Equity / Assets
18.39%
Rank 308 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.92% | 0.35% | 0.74% | 1.18% | Beats 61% | 655 / 1,683 | ||
| Return on Equity | 5.01% | 2.67% | 5.89% | 8.74% | Beats 43% | 957 / 1,681 | ||
| Net Interest Margin | 3.35% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,246 / 1,683 | ||
| Efficiency Ratio | 75.17% | 68.91% | 78.20% | 86.93% | Beats 59% | 683 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.39% | 10.44% | 12.89% | 16.53% | Beats 82% | 308 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.39% | 10.44% | 12.89% | 16.53% | Beats 82% | 308 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.31% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,531 / 1,683 | ||
| Loans / Assets | 30.38% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,544 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||