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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |