Financial Security
Carlsbad, NM · Charter 62452 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$63.6MAssets
$47.0MLoans
$52.8MShares
$10.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 75% of credit unions under $1B in assets (rank 414 of 1683).
- Widest gap: efficiency ratio trails 57% of credit unions under $1B in assets (rank 967 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.96%
Rank 630 of 1,683
Net Interest Margin
4.00%
Rank 674 of 1,683
Efficiency Ratio
80.84%
Rank 967 of 1,682
Equity / Assets
16.62%
Rank 414 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.35% | 0.74% | 1.18% | Beats 63% | 630 / 1,683 | |
| Return on Equity | 5.75% | 2.67% | 5.89% | 8.74% | Beats 49% | 862 / 1,681 | |
| Net Interest Margin | 4.00% | 3.31% | 3.82% | 4.32% | Beats 60% | 674 / 1,683 | |
| Efficiency Ratio | 80.84% | 68.91% | 78.20% | 86.93% | Beats 43% | 967 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.26% | 0.65% | 1.29% | Beats 48% | 870 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.62% | 10.44% | 12.89% | 16.53% | Beats 75% | 414 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.62% | 10.44% | 12.89% | 16.53% | Beats 75% | 414 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 88.85% | 52.61% | 69.38% | 83.50% | 84th pctl | 263 / 1,683 | |
| Loans / Assets | 73.87% | 44.71% | 59.18% | 70.72% | 81st pctl | 314 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |