Carlsbad, NM · Charter 7027
NCUA · 1 branch
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
77
Asset Quality
80
Profitability
15
Liquidity
19
Efficiency
5
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.
Carlsbad, NM · Charter 7027
NCUA · 1 branch
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 | 0.22% | 0.16% | 0.08% | -0.76% | -0.40% | -62 bps | |
| Return on Equity | 1.29% | 0.92% | 0.44% | -4.25% | -2.32% | -361 bps | |
| Net Interest Margin | 3.00% | 3.18% | 3.29% | 3.40% | 3.42% | +42 bps | |
| Efficiency Ratio | 95.09% | 96.47% | 98.33% | 116.75% | 109.00% | +1,391 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.33% | -11.93% | -9.51% | -10.21% | -3.33% | -200 bps | |
| Loan Growth (YoY) | -9.84% | -10.35% | -5.06% | 3.47% | 1.26% | +1,110 bps | |
| Share Growth (YoY) | 4.03% | -14.05% | -11.49% | -11.39% | -4.04% | -808 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.00% | 0.00% | 0.00% | 0.20% | -33 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 | 16.86% | 17.73% | 18.09% | 17.77% | 17.21% | +35 bps | |
| Net Worth / Assets | 16.86% | 17.73% | 18.09% | 17.77% | 17.21% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.13% | 85.91% | 90.65% | 91.09% | 87.73% | +460 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Carlsbad, NM · Charter 7027 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.39%
Rank 1,561 of 1,683
Net Interest Margin
3.43%
Rank 1,178 of 1,683
Efficiency Ratio
108.81%
Rank 1,607 of 1,682
Equity / Assets
17.21%
Rank 380 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.39% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,561 / 1,683 | |
| Return on Equity | -2.28% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,558 / 1,681 | |
| Net Interest Margin | 3.43% | 3.31% | 3.82% | 4.32% | Beats 30% | 1,178 / 1,683 | |
| Efficiency Ratio | 108.81% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,607 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.26% | 0.65% | 1.29% | Beats 80% | 344 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.21% | 10.44% | 12.89% | 16.53% | Beats 77% | 380 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.21% | 10.44% | 12.89% | 16.53% | Beats 77% | 380 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.73% | 52.61% | 69.38% | 83.50% | 83rd pctl | 290 / 1,683 | |
| Loans / Assets | 72.29% | 44.71% | 59.18% | 70.72% | 78th pctl | 368 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||