Las Cruces, NM · Charter 7960
NCUA · 4 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
53
Asset Quality
85
Profitability
60
Liquidity
64
Efficiency
63
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.
Las Cruces, NM · Charter 7960
NCUA · 4 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 | 1.20% | 1.22% | 1.34% | 1.23% | 1.19% | 1.10% | 0.97% | 1.00% | -23 bps | |
| Return on Equity | 10.17% | 9.96% | 10.94% | 9.78% | 9.31% | 8.48% | 7.52% | 7.59% | -219 bps | |
| Net Interest Margin | 3.57% | 3.65% | 3.91% | 3.97% | 3.96% | 3.95% | 3.73% | 3.78% | -19 bps | |
| Efficiency Ratio | 68.64% | 68.74% | 66.30% | 70.32% | 70.94% | 72.76% | 74.08% | 73.70% | +337 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.99% | -1.06% | 1.05% | 0.39% | 1.94% | 2.97% | 2.91% | 3.42% | +303 bps | |
| Loan Growth (YoY) | -1.59% | 0.21% | 2.73% | 4.12% | 1.49% | 0.63% | 0.31% | 0.43% | -369 bps | |
| Share Growth (YoY) | -4.97% | -2.95% | -0.55% | -1.20% | 0.80% | 2.17% | 2.13% | 2.75% | +395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.01% | 0.04% | 0.08% | 0.05% | 0.05% | 0.09% | 0.11% | +3 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 | 11.83% | 12.23% | 12.24% | 12.60% | 12.80% | 12.97% | 12.89% | 13.17% | +56 bps | |
| Net Worth / Assets | 11.83% | 12.23% | 12.24% | 12.60% | 12.80% | 12.97% | 12.89% | 13.17% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.61% | 60.83% | 59.31% | 59.54% | 60.03% | 59.92% | 58.26% | 58.19% | -135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Las Cruces, NM · Charter 7960 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.00%
Rank 593 of 1,683
Net Interest Margin
3.78%
Rank 882 of 1,683
Efficiency Ratio
73.69%
Rank 626 of 1,682
Equity / Assets
13.17%
Rank 792 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.35% | 0.74% | 1.18% | Beats 65% | 593 / 1,683 | ||
| Return on Equity | 7.59% | 2.67% | 5.89% | 8.74% | Beats 66% | 572 / 1,681 | ||
| Net Interest Margin | 3.78% | 3.31% | 3.82% | 4.32% | Beats 48% | 882 / 1,683 | ||
| Efficiency Ratio | 73.69% | 68.91% | 78.20% | 86.93% | Beats 63% | 626 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 85% | 248 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.17% | 10.44% | 12.89% | 16.53% | Beats 53% | 792 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.17% | 10.44% | 12.89% | 16.53% | Beats 53% | 792 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.19% | 52.61% | 69.38% | 83.50% | 33rd pctl | 1,136 / 1,683 | ||
| Loans / Assets | 50.22% | 44.71% | 59.18% | 70.72% | 34th pctl | 1,114 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||