PackageTrendsPeer
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Questa

Questa, NM · Charter 66252

NCUA · 3 branches

Q2 2026

$32.6MAssets
$19.6MLoans
$23.7MShares
$7.6MNet 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 3.20%, up 105 bps year over year; NIM at 5.36%.
  • Asset quality: problem loans at 2.08% of loans (-18 bps YoY).
  • Capital: net worth / assets of 23.28%, up 276 bps from a year ago.
  • Funding: loans stand at 83.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.20%+105 bps YoY

Net Interest Margin (YTD, annualized)

5.36%+28 bps YoY

Efficiency Ratio (YTD, annualized)

51.40%-968 bps YoY

Net Worth / Assets

23.28%+276 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.15%2.16%2.28%3.27%3.20%+105 bps
Return on Equity10.49%10.19%10.49%14.55%13.75%+326 bps
Net Interest Margin5.09%5.16%5.15%5.47%5.36%+28 bps
Efficiency Ratio61.08%62.35%61.14%50.83%51.40%-968 bps
Growth
Asset Growth (YoY)20.38%16.16%21.16%11.55%8.99%-1,139 bps
Loan Growth (YoY)12.93%5.92%7.15%11.92%13.44%+51 bps
Share Growth (YoY)25.85%19.16%25.30%11.13%8.41%-1,744 bps
Asset Quality
Delinquent Loans / Loans2.26%3.17%2.12%2.22%2.08%-18 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 Capital20.51%21.18%21.75%22.46%23.28%+276 bps
Net Worth / Assets20.51%21.18%21.75%22.46%23.28%+276 bps
Liquidity & Funding
Loans / Shares79.35%77.43%77.00%80.23%83.02%+368 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps