Santa Fe, NM · Charter 66149
NCUA · 8 branches
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 | 1.16% | 1.08% | 0.99% | 1.54% | 1.39% | 1.69% | 0.69% | 1.01% | -53 bps | |
| Return on Equity | 9.67% | 9.00% | 8.49% | 13.15% | 11.70% | 13.56% | 5.69% | 8.05% | -510 bps | |
| Net Interest Margin | 4.65% | 4.63% | 4.60% | 4.62% | 4.69% | 4.76% | 4.72% | 4.81% | +19 bps | |
| Efficiency Ratio | 75.42% | 76.51% | 82.11% | 75.40% | 75.47% | 70.49% | 82.92% | 79.38% | +398 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.90% | 17.14% | 17.54% | 16.30% | 11.62% | 9.67% | 8.18% | 4.94% | -1,136 bps | |
| Loan Growth (YoY) | 7.30% | 6.84% | 4.33% | 5.11% | 5.55% | 10.09% | 11.04% | 11.02% | +591 bps | |
| Share Growth (YoY) | 15.33% | 17.59% | 17.65% | 16.29% | 10.85% | 8.48% | 7.09% | 3.70% | -1,260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 0.97% | 1.41% | 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 | 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 | 12.02% | 11.97% | 11.64% | 11.68% | 11.84% | 12.44% | 12.17% | 12.51% | +83 bps | |
| Net Worth / Assets | 12.02% | 11.97% | 11.64% | 11.68% | 11.84% | 12.44% | 12.17% | 12.51% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.98% | 70.71% | 66.89% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |