Albuquerque, NM · Charter 948
NCUA · 31 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
42
Profitability
63
Liquidity
57
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Albuquerque, NM · Charter 948
NCUA · 31 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.60% | 0.30% | 0.54% | 0.55% | 0.44% | 0.36% | 0.76% | +22 bps | |
| Return on Equity | 9.36% | 6.75% | 3.33% | 6.05% | 6.14% | 4.91% | 4.11% | 8.45% | +241 bps | |
| Net Interest Margin | 2.78% | 2.90% | 3.41% | 3.47% | 3.52% | 3.44% | 3.75% | 3.81% | +34 bps | |
| Efficiency Ratio | 74.68% | 77.61% | 80.75% | 77.10% | 76.58% | 77.52% | 81.36% | 75.03% | -207 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.40% | 7.62% | -7.55% | -3.36% | -2.16% | 4.51% | 5.52% | 4.79% | +815 bps | |
| Loan Growth (YoY) | 11.48% | 11.09% | 4.90% | 5.01% | 3.52% | 3.05% | 2.47% | 1.81% | -320 bps | |
| Share Growth (YoY) | 12.40% | 13.71% | 4.13% | 5.35% | 6.38% | 5.69% | 5.60% | 5.96% | +61 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.63% | 0.63% | 0.87% | 0.61% | 0.99% | 0.79% | 0.79% | -8 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 | 8.53% | 8.89% | 8.90% | 8.95% | 9.03% | 8.88% | 8.82% | 9.03% | +8 bps | |
| Net Worth / Assets | 8.53% | 8.89% | 8.90% | 8.95% | 9.03% | 8.88% | 8.82% | 9.03% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.34% | 82.01% | 80.45% | 81.53% | 80.12% | 79.96% | 78.07% | 78.34% | -320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Albuquerque, NM · Charter 948 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 31 branches
Q2 2026
Return on Assets
0.76%
Rank 240 of 435
Net Interest Margin
3.81%
Rank 88 of 435
Efficiency Ratio
75.03%
Rank 276 of 435
Equity / Assets
9.03%
Rank 388 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.55% | 0.81% | 1.14% | Beats 45% | 240 / 435 | ||
| Return on Equity | 8.45% | 5.12% | 7.41% | 9.70% | Beats 63% | 161 / 435 | ||
| Net Interest Margin | 3.81% | 3.01% | 3.39% | 3.75% | Beats 80% | 88 / 435 | ||
| Efficiency Ratio | 75.03% | 65.25% | 71.39% | 77.86% | Beats 37% | 276 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.45% | 0.69% | 1.05% | Beats 42% | 252 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.03% | 9.81% | 10.84% | 12.63% | Beats 11% | 388 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.03% | 9.81% | 10.84% | 12.63% | Beats 11% | 388 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.34% | 78.33% | 88.38% | 95.61% | 25th pctl | 326 / 435 | ||
| Loans / Assets | 68.52% | 67.69% | 74.58% | 80.80% | 27th pctl | 318 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||