Clovis, NM · Charter 7822
NCUA · 2 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 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
57
Asset Quality
89
Profitability
67
Liquidity
52
Efficiency
61
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.
Clovis, NM · Charter 7822
NCUA · 2 branches
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 | 1.69% | 1.75% | 1.60% | 0.77% | 0.92% | -78 bps | |
| Return on Equity | 13.27% | 13.05% | 11.95% | 5.79% | 6.70% | -657 bps | |
| Net Interest Margin | 4.81% | 4.98% | 4.85% | 4.46% | 4.55% | -26 bps | |
| Efficiency Ratio | 70.98% | 69.45% | 69.38% | 74.56% | 74.56% | +358 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.21% | -0.73% | 1.70% | 1.07% | 2.42% | +263 bps | |
| Loan Growth (YoY) | 2.31% | 3.74% | -0.92% | -3.45% | -8.43% | -1,073 bps | |
| Share Growth (YoY) | -2.17% | -2.61% | 0.08% | -0.09% | 1.35% | +352 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.27% | 0.32% | 0.11% | 0.06% | -31 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 | 12.77% | 13.43% | 13.41% | 13.23% | 13.68% | +91 bps | |
| Net Worth / Assets | 12.77% | 13.43% | 13.41% | 13.23% | 13.68% | +91 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.53% | 63.09% | 57.49% | 54.08% | 54.69% | -584 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clovis, NM · Charter 7822 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.92%
Rank 663 of 1,683
Net Interest Margin
4.55%
Rank 303 of 1,683
Efficiency Ratio
74.57%
Rank 657 of 1,682
Equity / Assets
13.68%
Rank 722 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.35% | 0.74% | 1.18% | Beats 61% | 663 / 1,683 | |
| Return on Equity | 6.69% | 2.67% | 5.89% | 8.74% | Beats 58% | 711 / 1,681 | |
| Net Interest Margin | 4.55% | 3.31% | 3.82% | 4.32% | Beats 82% | 303 / 1,683 | |
| Efficiency Ratio | 74.57% | 68.91% | 78.20% | 86.93% | Beats 61% | 657 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.26% | 0.65% | 1.29% | Beats 89% | 191 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.68% | 10.44% | 12.89% | 16.53% | Beats 57% | 722 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.68% | 10.44% | 12.89% | 16.53% | Beats 57% | 722 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.69% | 52.61% | 69.38% | 83.50% | 28th pctl | 1,219 / 1,683 | |
| Loans / Assets | 47.02% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,200 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||