Albuquerque, NM · Charter 808
NCUA · 11 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
0
Profitability
26
Liquidity
60
Efficiency
1
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.
Albuquerque, NM · Charter 808
NCUA · 11 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 | 0.30% | -0.01% | -0.63% | -2.78% | -1.82% | -2.08% | -0.90% | -1.37% | +141 bps | |
| Return on Equity | 2.76% | -0.11% | -6.17% | -30.56% | -19.72% | -24.42% | -11.13% | -17.63% | +1,294 bps | |
| Net Interest Margin | 3.32% | 3.42% | 3.29% | 3.47% | 3.60% | 3.68% | 3.70% | 3.77% | +30 bps | |
| Efficiency Ratio | 82.90% | 83.75% | 87.72% | 78.72% | 82.35% | 92.84% | 95.40% | 103.26% | +2,454 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.00% | 1.16% | -1.59% | -3.88% | -3.04% | -1.69% | -1.06% | -1.21% | +267 bps | |
| Loan Growth (YoY) | 5.07% | 2.88% | 4.34% | -3.72% | -2.88% | -0.57% | -0.10% | 0.60% | +432 bps | |
| Share Growth (YoY) | 2.96% | 1.09% | -1.99% | -2.43% | -1.94% | -0.37% | 0.49% | -0.15% | +228 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.15% | 6.86% | 7.15% | 6.64% | 7.26% | 7.08% | 6.63% | 6.91% | +27 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 | 10.72% | 10.62% | 10.16% | 9.10% | 9.25% | 8.53% | 8.11% | 7.80% | -130 bps | |
| Net Worth / Assets | 10.72% | 10.62% | 10.16% | 9.10% | 9.25% | 8.53% | 8.11% | 7.80% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.63% | 81.19% | 79.04% | 78.38% | 79.85% | 81.03% | 78.57% | 78.97% | +59 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Albuquerque, NM · Charter 808 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
Return on Assets
-1.37%
Rank 434 of 435
Net Interest Margin
3.77%
Rank 102 of 435
Efficiency Ratio
103.26%
Rank 433 of 435
Equity / Assets
7.80%
Rank 428 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.37% | 0.55% | 0.81% | 1.14% | Beats 0% | 434 / 435 | ||
| Return on Equity | -17.63% | 5.12% | 7.41% | 9.70% | Beats 0% | 434 / 435 | ||
| Net Interest Margin | 3.77% | 3.01% | 3.39% | 3.75% | Beats 77% | 102 / 435 | ||
| Efficiency Ratio | 103.26% | 65.25% | 71.39% | 77.86% | Beats 1% | 433 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.91% | 0.45% | 0.69% | 1.05% | Beats 0% | 435 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.80% | 9.81% | 10.84% | 12.63% | Beats 2% | 428 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.80% | 9.81% | 10.84% | 12.63% | Beats 2% | 428 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.97% | 78.33% | 88.38% | 95.61% | 26th pctl | 320 / 435 | ||
| Loans / Assets | 72.30% | 67.69% | 74.58% | 80.80% | 40th pctl | 261 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||