PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cuba

Cuba, NM · Charter 66097

NCUA · 1 branch

Q2 2026

$23.5MAssets
$7.1MLoans
$19.1MShares
$4.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.92%, down 92 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (-13 bps YoY).
  • Capital: net worth / assets of 18.39%, up 123 bps from a year ago.
  • Funding: loans stand at 37.31% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%-92 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-42 bps YoY

Efficiency Ratio (YTD, annualized)

75.16%+1,265 bps YoY

Net Worth / Assets

18.39%+123 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.67%1.48%0.90%0.92%-92 bps
Return on Equity10.71%9.39%8.32%4.99%5.00%-571 bps
Net Interest Margin3.77%3.78%3.75%3.46%3.35%-42 bps
Efficiency Ratio62.51%64.06%66.77%75.38%75.16%+1,265 bps
Growth
Asset Growth (YoY)9.15%8.33%5.96%1.60%-1.21%-1,036 bps
Loan Growth (YoY)1.67%-2.90%-5.30%1.81%2.92%+125 bps
Share Growth (YoY)8.85%7.99%5.29%0.59%-2.71%-1,156 bps
Asset Quality
Delinquent Loans / Loans0.13%0.00%0.15%0.30%0.00%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.16%17.73%17.78%18.03%18.39%+123 bps
Net Worth / Assets17.16%17.73%17.78%18.03%18.39%+123 bps
Liquidity & Funding
Loans / Shares35.27%35.04%34.32%36.22%37.31%+204 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps