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 | |