Roswell, NM · Charter 9093
NCUA · 2 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 | 1.72% | 1.54% | 2.23% | 2.20% | 2.35% | 2.20% | 2.71% | 2.59% | +39 bps | |
| Return on Equity | 12.17% | 10.68% | 12.99% | 12.51% | 12.76% | 11.72% | 16.77% | 15.38% | +287 bps | |
| Net Interest Margin | 3.59% | 3.67% | 4.16% | 4.15% | 4.25% | 4.34% | 4.29% | 4.37% | +21 bps | |
| Efficiency Ratio | 62.16% | 66.99% | 56.63% | 56.86% | 54.22% | 56.35% | 46.67% | 51.32% | -554 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.58% | 6.72% | 11.26% | 11.20% | 6.18% | 6.97% | 1.34% | 0.28% | -1,092 bps | |
| Loan Growth (YoY) | -0.71% | -3.74% | 0.80% | -0.34% | 1.55% | 3.40% | -4.00% | -4.94% | -460 bps | |
| Share Growth (YoY) | 7.67% | 6.09% | 7.12% | 6.27% | 0.50% | 1.41% | -1.33% | -2.31% | -857 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.70% | 0.65% | 0.61% | 1.00% | 0.77% | 0.53% | 1.39% | +77 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 | 14.15% | 14.43% | 17.18% | 17.58% | 18.46% | 18.81% | 16.18% | 16.82% | -76 bps | |
| Net Worth / Assets | 14.15% | 14.43% | 17.18% | 17.58% | 18.46% | 18.81% | 16.18% | 16.82% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.20% | 87.74% | 89.74% | 89.56% | 91.15% | 89.47% | 87.32% | 87.15% | -241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |