PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Roswell Community

Roswell, NM · Charter 9093

NCUA · 2 branches

Q2 2026

$50.3MAssets
$34.8MLoans
$39.9MShares
$8.5MNet Worth

Executive Summary

  • Earnings: ROA of 2.59%, up 39 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 1.39% of loans (+77 bps YoY).
  • Capital: net worth / assets of 16.82%, down 76 bps from a year ago.
  • Funding: loans stand at 87.15% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.59%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+21 bps YoY

Efficiency Ratio (YTD, annualized)

51.32%-554 bps YoY

Net Worth / Assets

16.82%-76 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.72%1.54%2.23%2.20%2.35%2.20%2.71%2.59%+39 bps
Return on Equity12.17%10.68%12.99%12.51%12.76%11.72%16.77%15.38%+287 bps
Net Interest Margin3.59%3.67%4.16%4.15%4.25%4.34%4.29%4.37%+21 bps
Efficiency Ratio62.16%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 / Loans1.26%1.70%0.65%0.61%1.00%0.77%0.53%1.39%+77 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.15%14.43%17.18%17.58%18.46%18.81%16.18%16.82%-76 bps
Net Worth / Assets14.15%14.43%17.18%17.58%18.46%18.81%16.18%16.82%-76 bps
Liquidity & Funding
Loans / Shares90.20%87.74%89.74%89.56%91.15%89.47%87.32%87.15%-241 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps