Alamogordo, NM · Charter 8475
NCUA · 7 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 1.62% | 1.57% | 1.67% | 1.72% | +15 bps | |
| Return on Equity | 10.65% | 10.75% | 10.36% | 10.98% | 11.09% | +43 bps | |
| Net Interest Margin | 3.60% | 3.66% | 3.61% | 3.66% | 3.71% | +11 bps | |
| Efficiency Ratio | 62.52% | 61.12% | 59.95% | 58.62% | 57.94% | -458 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.11% | 5.66% | 6.79% | 5.88% | 5.92% | -19 bps | |
| Loan Growth (YoY) | -2.94% | -0.15% | 1.28% | 1.52% | 2.39% | +533 bps | |
| Share Growth (YoY) | 4.61% | 4.47% | 5.41% | 4.84% | 5.15% | +54 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.35% | 0.42% | 0.22% | 0.26% | -2 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.76% | 15.10% | 15.16% | 15.21% | 15.54% | +78 bps | |
| Net Worth / Assets | 14.76% | 15.10% | 15.16% | 15.21% | 15.54% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.04% | 57.75% | 56.89% | 55.22% | 55.55% | -149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |