Alamogordo, NM · Charter 66117
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
51
Asset Quality
7
Profitability
18
Liquidity
24
Efficiency
75
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.
Alamogordo, NM · Charter 66117
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 | -0.47% | -0.52% | -0.68% | -0.55% | -0.48% | -0.59% | -0.92% | -0.40% | +15 bps | |
| Return on Equity | -3.25% | -3.60% | -4.90% | -4.15% | -3.77% | -4.61% | -7.05% | -3.09% | +106 bps | |
| Net Interest Margin | 3.89% | 3.90% | 3.63% | 3.47% | 3.52% | 3.63% | 3.27% | 3.63% | +15 bps | |
| Efficiency Ratio | 81.95% | 81.03% | 90.35% | 84.28% | 82.07% | 81.01% | 76.87% | 68.89% | -1,539 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.57% | -5.67% | -2.12% | 2.29% | 6.14% | 3.90% | -2.47% | -5.41% | -770 bps | |
| Loan Growth (YoY) | -2.70% | -5.31% | -8.27% | -4.25% | -2.66% | -1.25% | -2.56% | -9.05% | -480 bps | |
| Share Growth (YoY) | -4.62% | -3.02% | -1.82% | 3.23% | 7.82% | 5.27% | -1.84% | -5.73% | -896 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.27% | 2.32% | 1.84% | 2.12% | 0.86% | 0.79% | 1.39% | 3.20% | +107 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 | 14.43% | 14.33% | 13.83% | 13.23% | 12.69% | 12.79% | 13.08% | 12.95% | -28 bps | |
| Net Worth / Assets | 14.43% | 14.33% | 13.83% | 13.23% | 12.69% | 12.79% | 13.08% | 12.95% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.81% | 49.70% | 47.05% | 47.77% | 46.78% | 46.62% | 46.70% | 46.09% | -168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alamogordo, NM · Charter 66117 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.40%
Rank 1,563 of 1,683
Net Interest Margin
3.63%
Rank 1,012 of 1,683
Efficiency Ratio
68.90%
Rank 419 of 1,682
Equity / Assets
12.95%
Rank 829 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.40% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,563 / 1,683 | ||
| Return on Equity | -3.10% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,571 / 1,681 | ||
| Net Interest Margin | 3.63% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,012 / 1,683 | ||
| Efficiency Ratio | 68.90% | 68.91% | 78.20% | 86.93% | Beats 75% | 419 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.19% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,565 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.95% | 10.44% | 12.89% | 16.53% | Beats 51% | 829 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.95% | 10.44% | 12.89% | 16.53% | Beats 51% | 829 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.09% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,389 / 1,683 | ||
| Loans / Assets | 39.66% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,371 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||