Zia
Los Alamos, NM · Charter 60467 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$308.1MAssets
$219.9MLoans
$246.7MShares
$31.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 61% of credit unions under $1B in assets (rank 652 of 1682).
- Widest gap: equity / assets trails 76% of credit unions under $1B in assets (rank 1276 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.45%
Rank 1,180 of 1,683
Net Interest Margin
3.44%
Rank 1,169 of 1,683
Efficiency Ratio
84.55%
Rank 1,168 of 1,682
Equity / Assets
10.35%
Rank 1,276 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,180 / 1,683 | |
| Return on Equity | 4.39% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,036 / 1,681 | |
| Net Interest Margin | 3.44% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,169 / 1,683 | |
| Efficiency Ratio | 84.55% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,168 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 652 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.35% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,276 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.35% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,276 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 89.14% | 52.61% | 69.38% | 83.50% | 85th pctl | 257 / 1,683 | |
| Loans / Assets | 71.37% | 44.71% | 59.18% | 70.72% | 76th pctl | 398 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |