Alamogordo, NM · Charter 66117
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |