Clovis, NM · Charter 7822
NCUA · 2 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 | 2.20% | 2.03% | 1.58% | 1.69% | 1.75% | 1.60% | 0.77% | 0.92% | -78 bps | |
| Return on Equity | 18.88% | 16.94% | 13.13% | 13.27% | 13.05% | 11.95% | 5.79% | 6.70% | -657 bps | |
| Net Interest Margin | 5.02% | 5.00% | 4.62% | 4.81% | 4.98% | 4.85% | 4.46% | 4.55% | -26 bps | |
| Efficiency Ratio | 63.26% | 64.79% | 72.24% | 70.98% | 69.45% | 69.38% | 74.56% | 74.56% | +358 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.27% | -1.60% | 1.46% | -0.21% | -0.73% | 1.70% | 1.07% | 2.42% | +263 bps | |
| Loan Growth (YoY) | 4.80% | 0.57% | -1.62% | 2.31% | 3.74% | -0.92% | -3.45% | -8.43% | -1,073 bps | |
| Share Growth (YoY) | -5.83% | -3.92% | -0.57% | -2.17% | -2.61% | 0.08% | -0.09% | 1.35% | +352 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.18% | 0.16% | 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 | 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 | 11.63% | 12.01% | 12.00% | 12.77% | 13.43% | 13.41% | 13.23% | 13.68% | +91 bps | |
| Net Worth / Assets | 11.63% | 12.01% | 12.00% | 12.77% | 13.43% | 13.41% | 13.23% | 13.68% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.23% | 58.07% | 55.96% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |