Alamogordo, NM · Charter 8475
NCUA · 7 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 | 1.15% | 1.18% | 1.48% | 1.57% | 1.62% | 1.57% | 1.67% | 1.72% | +15 bps | |
| Return on Equity | 8.00% | 8.08% | 10.27% | 10.65% | 10.75% | 10.36% | 10.98% | 11.09% | +43 bps | |
| Net Interest Margin | 3.10% | 3.18% | 3.53% | 3.60% | 3.66% | 3.61% | 3.66% | 3.71% | +11 bps | |
| Efficiency Ratio | 66.75% | 64.84% | 64.21% | 62.52% | 61.12% | 59.95% | 58.62% | 57.94% | -458 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.39% | 5.93% | 6.91% | 6.11% | 5.66% | 6.79% | 5.88% | 5.92% | -19 bps | |
| Loan Growth (YoY) | -4.06% | -4.72% | -3.44% | -2.94% | -0.15% | 1.28% | 1.52% | 2.39% | +533 bps | |
| Share Growth (YoY) | 4.68% | 4.93% | 5.77% | 4.61% | 4.47% | 5.41% | 4.84% | 5.15% | +54 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.47% | 0.23% | 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 | 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 | 14.39% | 14.55% | 14.46% | 14.76% | 15.10% | 15.16% | 15.21% | 15.54% | +78 bps | |
| Net Worth / Assets | 14.39% | 14.55% | 14.46% | 14.76% | 15.10% | 15.16% | 15.21% | 15.54% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.42% | 59.21% | 57.03% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |