PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Eddy

Carlsbad, NM · Charter 9566

NCUA · 2 branches

Q2 2026

$61.8MAssets
$45.3MLoans
$50.0MShares
$11.3MNet 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 0.00%, down 104 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 18.34%, up 20 bps from a year ago.
  • Funding: loans stand at 90.49% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.00%-104 bps YoY

Net Interest Margin (YTD, annualized)

4.66%-4 bps YoY

Efficiency Ratio (YTD, annualized)

93.32%+2,193 bps YoY

Net Worth / Assets

18.34%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.04%0.95%0.70%0.00%-104 bps
Return on Equity5.70%5.60%5.16%3.86%-0.02%-572 bps
Net Interest Margin4.70%4.80%4.73%4.58%4.66%-4 bps
Efficiency Ratio71.39%71.26%75.07%83.90%93.32%+2,193 bps
Growth
Asset Growth (YoY)5.46%5.79%5.08%6.84%2.49%-297 bps
Loan Growth (YoY)6.56%6.27%5.09%2.53%5.76%-80 bps
Share Growth (YoY)6.48%6.41%5.52%7.03%2.79%-369 bps
Asset Quality
Delinquent Loans / Loans0.00%0.09%0.43%0.05%0.00%0 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 Capital18.14%18.60%18.38%18.11%18.34%+20 bps
Net Worth / Assets18.14%18.60%18.38%18.11%18.34%+20 bps
Liquidity & Funding
Loans / Shares87.95%89.08%86.08%85.40%90.49%+254 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps