Hobbs, NM · Charter 8299
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.53% | 1.66% | 1.73% | 1.68% | 1.72% | 1.75% | 1.79% | +6 bps | |
| Return on Equity | 11.39% | 11.84% | 12.94% | 13.25% | 12.61% | 12.35% | 12.81% | 12.76% | -49 bps | |
| Net Interest Margin | 4.33% | 4.29% | 4.49% | 4.53% | 4.65% | 4.74% | 4.62% | 4.72% | +18 bps | |
| Efficiency Ratio | 65.99% | 65.48% | 68.89% | 65.68% | 64.96% | 63.91% | 66.20% | 64.83% | -85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.70% | 7.11% | 8.29% | 8.43% | 9.70% | 6.11% | 6.85% | 5.87% | -256 bps | |
| Loan Growth (YoY) | 8.88% | 8.11% | 9.18% | 7.48% | 7.09% | 9.15% | 9.13% | 13.86% | +637 bps | |
| Share Growth (YoY) | 6.08% | 5.58% | 7.27% | 8.06% | 8.78% | 4.79% | 5.72% | 4.62% | -344 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.48% | 0.65% | 0.58% | 0.44% | 0.60% | 0.36% | 0.73% | +15 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 | 12.77% | 12.91% | 12.81% | 13.07% | 13.33% | 13.89% | 13.68% | 14.05% | +98 bps | |
| Net Worth / Assets | 12.77% | 12.91% | 12.81% | 13.07% | 13.33% | 13.89% | 13.68% | 14.05% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.86% | 69.64% | 68.36% | 68.91% | 68.77% | 72.54% | 70.56% | 74.99% | +608 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |