Santa Fe, NM · Charter 66149
NCUA · 8 branches
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
46
Asset Quality
20
Profitability
74
Liquidity
93
Efficiency
46
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.
Santa Fe, NM · Charter 66149
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 1.39% | 1.69% | 0.69% | 1.01% | -53 bps | |
| Return on Equity | 13.15% | 11.70% | 13.56% | 5.69% | 8.05% | -510 bps | |
| Net Interest Margin | 4.62% | 4.69% | 4.76% | 4.72% | 4.81% | +19 bps | |
| Efficiency Ratio | 75.40% | 75.47% | 70.49% | 82.92% | 79.38% | +398 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.30% | 11.62% | 9.67% | 8.18% | 4.94% | -1,136 bps | |
| Loan Growth (YoY) | 5.11% | 5.55% | 10.09% | 11.04% | 11.02% | +591 bps | |
| Share Growth (YoY) | 16.29% | 10.85% | 8.48% | 7.09% | 3.70% | -1,260 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.05% | 1.19% | 1.09% | 1.35% | 1.57% | +52 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.68% | 11.84% | 12.44% | 12.17% | 12.51% | +83 bps | |
| Net Worth / Assets | 11.68% | 11.84% | 12.44% | 12.17% | 12.51% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.33% | 67.59% | 71.76% | 69.36% | 71.01% | +468 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Santa Fe, NM · Charter 66149 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
1.01%
Rank 588 of 1,683
Net Interest Margin
4.81%
Rank 202 of 1,683
Efficiency Ratio
79.38%
Rank 906 of 1,682
Equity / Assets
12.51%
Rank 909 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 0.35% | 0.74% | 1.18% | Beats 65% | 588 / 1,683 | |
| Return on Equity | 8.06% | 2.67% | 5.89% | 8.74% | Beats 70% | 503 / 1,681 | |
| Net Interest Margin | 4.81% | 3.31% | 3.82% | 4.32% | Beats 88% | 202 / 1,683 | |
| Efficiency Ratio | 79.38% | 68.91% | 78.20% | 86.93% | Beats 46% | 906 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.57% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,350 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.51% | 10.44% | 12.89% | 16.53% | Beats 46% | 909 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.51% | 10.44% | 12.89% | 16.53% | Beats 46% | 909 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.01% | 52.61% | 69.38% | 83.50% | 53rd pctl | 790 / 1,683 | |
| Loans / Assets | 61.17% | 44.71% | 59.18% | 70.72% | 54th pctl | 767 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||