Albuquerque, NM · Charter 948
NCUA · 31 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 | 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 | |