Albuquerque, NM · Charter 964
NCUA · 3 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
90
Profitability
5
Liquidity
6
Efficiency
2
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 964
NCUA · 3 branches
Q2 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.56% | -0.77% | -0.90% | -0.95% | -0.77% | -21 bps | |
| Return on Equity | -7.70% | -11.05% | -13.50% | -15.21% | -12.78% | -508 bps | |
| Net Interest Margin | 2.69% | 2.56% | 2.61% | 2.62% | 2.64% | -5 bps | |
| Efficiency Ratio | 110.24% | 117.77% | 120.26% | 125.47% | 118.98% | +874 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.71% | 2.20% | 1.73% | 4.01% | 3.66% | +536 bps | |
| Loan Growth (YoY) | -6.76% | -8.09% | -4.51% | -3.54% | -6.45% | +32 bps | |
| Share Growth (YoY) | -1.92% | 1.03% | 2.52% | 4.39% | 3.96% | +588 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.03% | 0.06% | 0.13% | 0.03% | -11 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 | 7.32% | 6.97% | 6.67% | 6.21% | 6.06% | -127 bps | |
| Net Worth / Assets | 7.32% | 6.97% | 6.67% | 6.21% | 6.06% | -127 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.21% | 46.16% | 48.37% | 45.10% | 42.48% | -472 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Albuquerque, NM · Charter 964 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 3 branches
Q2 2025
Return on Assets
-0.77%
Rank 1,585 of 1,659
Net Interest Margin
2.64%
Rank 1,529 of 1,658
Efficiency Ratio
119.07%
Rank 1,616 of 1,656
Equity / Assets
6.06%
Rank 1,652 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | 0.35% | 0.78% | 1.25% | Beats 4% | 1,585 / 1,659 | |
| Return on Equity | -12.77% | 2.75% | 6.06% | 9.41% | Beats 2% | 1,619 / 1,657 | |
| Net Interest Margin | 2.64% | 3.20% | 3.76% | 4.33% | Beats 8% | 1,529 / 1,658 | |
| Efficiency Ratio | 119.07% | 67.69% | 77.34% | 85.79% | Beats 2% | 1,616 / 1,656 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.24% | 0.65% | 1.35% | Beats 90% | 168 / 1,657 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 6.06% | 10.20% | 12.57% | 16.16% | Beats 0% | 1,653 / 1,659 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 6.06% | 10.20% | 12.57% | 16.15% | Beats 0% | 1,652 / 1,658 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.48% | 54.91% | 71.55% | 84.72% | 12th pctl | 1,463 / 1,658 | |
| Loans / Assets | 41.21% | 46.17% | 60.56% | 71.91% | 19th pctl | 1,349 / 1,658 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||