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U.S. Eagle

Albuquerque, NM · Charter 808

NCUA · 11 branches

Q2 2026

$1.5BAssets
$1.1BLoans
$1.3BShares
$113.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.37%, up 141 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 6.91% of loans (+27 bps YoY).
  • Capital: net worth / assets of 7.80%, down 130 bps from a year ago.
  • Funding: loans stand at 78.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.37%+141 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+30 bps YoY

Efficiency Ratio (YTD, annualized)

103.26%+2,454 bps YoY

Net Worth / Assets

7.80%-130 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.78%-1.82%-2.08%-0.90%-1.37%+141 bps
Return on Equity-30.56%-19.72%-24.42%-11.13%-17.63%+1,294 bps
Net Interest Margin3.47%3.60%3.68%3.70%3.77%+30 bps
Efficiency Ratio78.72%82.35%92.84%95.40%103.26%+2,454 bps
Growth
Asset Growth (YoY)-3.88%-3.04%-1.69%-1.06%-1.21%+267 bps
Loan Growth (YoY)-3.72%-2.88%-0.57%-0.10%0.60%+432 bps
Share Growth (YoY)-2.43%-1.94%-0.37%0.49%-0.15%+228 bps
Asset Quality
Delinquent Loans / Loans6.64%7.26%7.08%6.63%6.91%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.10%9.25%8.53%8.11%7.80%-130 bps
Net Worth / Assets9.10%9.25%8.53%8.11%7.80%-130 bps
Liquidity & Funding
Loans / Shares78.38%79.85%81.03%78.57%78.97%+59 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps