Carlsbad, NM · Charter 9566
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 1.04% | 0.95% | 0.70% | 0.00% | -104 bps | |
| Return on Equity | 5.70% | 5.60% | 5.16% | 3.86% | -0.02% | -572 bps | |
| Net Interest Margin | 4.70% | 4.80% | 4.73% | 4.58% | 4.66% | -4 bps | |
| Efficiency Ratio | 71.39% | 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 / Loans | 0.00% | 0.09% | 0.43% | 0.05% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.14% | 18.60% | 18.38% | 18.11% | 18.34% | +20 bps | |
| Net Worth / Assets | 18.14% | 18.60% | 18.38% | 18.11% | 18.34% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.95% | 89.08% | 86.08% | 85.40% | 90.49% | +254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |