PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chaves County School Employees

Roswell, NM · Charter 66143

NCUA · 1 branch

Q2 2026

$40.1MAssets
$11.8MLoans
$31.6MShares
$8.4MNet 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 2.18%, down 10 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.88%, up 95 bps from a year ago.
  • Funding: loans stand at 37.23% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.18%-10 bps YoY

Net Interest Margin (quarter, annualized)

3.59%+20 bps YoY

Efficiency Ratio (quarter, annualized)

46.57%+140 bps YoY

Net Worth / Assets

20.88%+95 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.28%2.45%2.35%2.13%2.18%-10 bps
Return on Equity11.43%11.76%11.08%10.35%10.44%-99 bps
Net Interest Margin3.40%3.54%3.55%3.58%3.59%+20 bps
Efficiency Ratio45.17%43.84%45.53%47.31%46.57%+140 bps
Growth
Asset Growth (YoY)1.71%2.13%3.81%6.57%6.77%+506 bps
Loan Growth (YoY)0.75%-1.94%3.74%1.57%6.78%+604 bps
Share Growth (YoY)-0.15%-0.44%1.78%5.28%5.50%+565 bps
Asset Quality
Delinquent Loans / Loans0.00%0.02%0.00%0.00%0.00%0 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 Capital19.92%20.83%21.22%20.55%20.88%+95 bps
Net Worth / Assets19.92%20.83%21.22%20.55%20.88%+95 bps
Liquidity & Funding
Loans / Shares36.78%37.48%38.29%35.59%37.23%+45 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps