Fort Bayard
Fort Bayard, NM · Charter 1838 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
$4.9MAssets
$2.1MLoans
$4.8MShares
$118KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 82% of credit unions under $1B in assets (rank 305 of 1677).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets (rank 1674 of 1677).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-20.53%
Rank 1,671 of 1,678
Net Interest Margin
4.48%
Rank 305 of 1,677
Efficiency Ratio
181.36%
Rank 1,659 of 1,675
Equity / Assets
2.40%
Rank 1,674 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -20.53% | 0.24% | 0.67% | 1.21% | Beats 0% | 1,671 / 1,678 | |
| Return on Equity | -854% | 1.96% | 5.37% | 8.99% | Beats 0% | 1,675 / 1,675 | |
| Net Interest Margin | 4.48% | 3.12% | 3.67% | 4.25% | Beats 82% | 305 / 1,677 | |
| Efficiency Ratio | 181.36% | 68.92% | 78.89% | 88.44% | Beats 1% | 1,659 / 1,675 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.05% | 0.21% | 0.58% | 1.19% | Beats 6% | 1,578 / 1,676 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 2.40% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,675 / 1,678 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 2.40% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,674 / 1,677 | |
| Liquidity & Funding |
| Loans / Deposits | 43.31% | 54.28% | 70.33% | 83.29% | 13th pctl | 1,467 / 1,677 | |
| Loans / Assets | 42.05% | 46.21% | 59.98% | 70.96% | 20th pctl | 1,347 / 1,677 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |