PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Loco

Alamogordo, NM · Charter 66117

NCUA · 1 branch

Q2 2026

$60.8MAssets
$24.1MLoans
$52.3MShares
$7.9MNet 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 -0.40%, up 15 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 3.20% of loans (+107 bps YoY).
  • Capital: net worth / assets of 12.95%, down 28 bps from a year ago.
  • Funding: loans stand at 46.09% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.40%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+15 bps YoY

Efficiency Ratio (YTD, annualized)

68.89%-1,539 bps YoY

Net Worth / Assets

12.95%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.55%-0.48%-0.59%-0.92%-0.40%+15 bps
Return on Equity-4.15%-3.77%-4.61%-7.05%-3.09%+106 bps
Net Interest Margin3.47%3.52%3.63%3.27%3.63%+15 bps
Efficiency Ratio84.28%82.07%81.01%76.87%68.89%-1,539 bps
Growth
Asset Growth (YoY)2.29%6.14%3.90%-2.47%-5.41%-770 bps
Loan Growth (YoY)-4.25%-2.66%-1.25%-2.56%-9.05%-480 bps
Share Growth (YoY)3.23%7.82%5.27%-1.84%-5.73%-896 bps
Asset Quality
Delinquent Loans / Loans2.12%0.86%0.79%1.39%3.20%+107 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 Capital13.23%12.69%12.79%13.08%12.95%-28 bps
Net Worth / Assets13.23%12.69%12.79%13.08%12.95%-28 bps
Liquidity & Funding
Loans / Shares47.77%46.78%46.62%46.70%46.09%-168 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps