Albuquerque, NM · Charter 68244
NCUA · 21 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
3
Asset Quality
13
Profitability
37
Liquidity
38
Efficiency
6
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.
Albuquerque, NM · Charter 68244
NCUA · 21 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 | 0.32% | 0.28% | 0.35% | 0.32% | 0.65% | 0.53% | -0.10% | 0.29% | -3 bps | |
| Return on Equity | 3.66% | 3.17% | 4.12% | 3.16% | 7.89% | 6.52% | -1.23% | 3.65% | +49 bps | |
| Net Interest Margin | 3.60% | 3.65% | 3.61% | 3.66% | 3.45% | 3.49% | 3.67% | 3.97% | +31 bps | |
| Efficiency Ratio | 86.50% | 87.63% | 85.41% | 86.59% | 81.14% | 81.92% | 88.51% | 85.54% | -105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.14% | 4.43% | 5.59% | 8.07% | 17.34% | 21.14% | 17.24% | 13.95% | +588 bps | |
| Loan Growth (YoY) | -0.15% | -0.14% | 1.51% | -0.26% | 4.01% | 5.68% | 10.19% | 13.29% | +1,355 bps | |
| Share Growth (YoY) | 4.37% | 4.95% | 6.35% | 8.72% | 17.79% | 20.19% | 17.45% | 14.20% | +548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.75% | 0.55% | 0.98% | 1.34% | 1.44% | 1.13% | 1.40% | +42 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 | 8.85% | 8.94% | 8.58% | 10.07% | 8.28% | 8.12% | 7.95% | 8.01% | -206 bps | |
| Net Worth / Assets | 8.85% | 8.94% | 8.58% | 10.07% | 8.28% | 8.12% | 7.95% | 8.01% | -206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.93% | 80.12% | 75.75% | 74.38% | 71.46% | 70.45% | 71.06% | 73.78% | -59 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Albuquerque, NM · Charter 68244 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
Return on Assets
0.29%
Rank 392 of 435
Net Interest Margin
3.97%
Rank 61 of 435
Efficiency Ratio
85.54%
Rank 408 of 435
Equity / Assets
8.01%
Rank 421 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.29% | 0.55% | 0.81% | 1.14% | Beats 10% | 392 / 435 | ||
| Return on Equity | 3.65% | 5.12% | 7.41% | 9.70% | Beats 15% | 369 / 435 | ||
| Net Interest Margin | 3.97% | 3.01% | 3.39% | 3.75% | Beats 86% | 61 / 435 | ||
| Efficiency Ratio | 85.54% | 65.25% | 71.39% | 77.86% | Beats 6% | 408 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.40% | 0.45% | 0.69% | 1.05% | Beats 13% | 381 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.01% | 9.81% | 10.84% | 12.63% | Beats 3% | 421 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.01% | 9.81% | 10.84% | 12.63% | Beats 3% | 421 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.78% | 78.33% | 88.38% | 95.61% | 18th pctl | 356 / 435 | ||
| Loans / Assets | 66.70% | 67.69% | 74.58% | 80.80% | 22nd pctl | 339 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||