The Florist
Roswell, NM · Charter 19567 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$7.1MAssets
$3.6MLoans
$6.0MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 71% of credit unions under $1B in assets (rank 480 of 1683).
- Widest gap: efficiency ratio trails 95% of credit unions under $1B in assets (rank 1591 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.42%
Rank 1,568 of 1,683
Net Interest Margin
4.23%
Rank 480 of 1,683
Efficiency Ratio
105.49%
Rank 1,591 of 1,682
Equity / Assets
15.14%
Rank 541 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.42% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,568 / 1,683 | |
| Return on Equity | -2.80% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,566 / 1,681 | |
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 71% | 480 / 1,683 | |
| Efficiency Ratio | 105.49% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,591 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.90% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,431 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.14% | 10.44% | 12.89% | 16.53% | Beats 68% | 541 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.14% | 10.44% | 12.89% | 16.53% | Beats 68% | 541 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 60.54% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,087 / 1,683 | |
| Loans / Assets | 51.15% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,083 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |