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 | |