PackageTrendsPeer
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Nusenda

Albuquerque, NM · Charter 948

NCUA · 31 branches

Q2 2026

$5.0BAssets
$3.4BLoans
$4.4BShares
$453.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.76%, up 22 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.79% of loans (-8 bps YoY).
  • Capital: net worth / assets of 9.03%, up 8 bps from a year ago.
  • Funding: loans stand at 78.34% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.76%+22 bps YoY

Net Interest Margin (quarter, annualized)

3.81%+34 bps YoY

Efficiency Ratio (quarter, annualized)

75.03%-207 bps YoY

Net Worth / Assets

9.03%+8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.55%0.44%0.36%0.76%+22 bps
Return on Equity6.05%6.14%4.91%4.11%8.45%+241 bps
Net Interest Margin3.47%3.52%3.44%3.75%3.81%+34 bps
Efficiency Ratio77.10%76.58%77.52%81.36%75.03%-207 bps
Growth
Asset Growth (YoY)-3.36%-2.16%4.51%5.52%4.79%+815 bps
Loan Growth (YoY)5.01%3.52%3.05%2.47%1.81%-320 bps
Share Growth (YoY)5.35%6.38%5.69%5.60%5.96%+61 bps
Asset Quality
Delinquent Loans / Loans0.87%0.61%0.99%0.79%0.79%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.95%9.03%8.88%8.82%9.03%+8 bps
Net Worth / Assets8.95%9.03%8.88%8.82%9.03%+8 bps
Liquidity & Funding
Loans / Shares81.53%80.12%79.96%78.07%78.34%-320 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps