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 | |