Jemez Valley
Jemez Springs, NM · Charter 62637 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$27.3MAssets
$10.7MLoans
$23.8MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 75% of credit unions under $1B in assets (rank 428 of 1683).
- Widest gap: return on equity trails 92% of credit unions under $1B in assets (rank 1540 of 1681).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.21%
Rank 1,539 of 1,683
Net Interest Margin
4.31%
Rank 428 of 1,683
Efficiency Ratio
94.65%
Rank 1,501 of 1,682
Equity / Assets
12.65%
Rank 885 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.21% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,539 / 1,683 | |
| Return on Equity | -1.68% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,540 / 1,681 | |
| Net Interest Margin | 4.31% | 3.31% | 3.82% | 4.32% | Beats 75% | 428 / 1,683 | |
| Efficiency Ratio | 94.65% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,501 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,126 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.65% | 10.44% | 12.89% | 16.53% | Beats 47% | 885 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.65% | 10.44% | 12.89% | 16.53% | Beats 47% | 885 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 44.97% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,404 / 1,683 | |
| Loans / Assets | 39.27% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,385 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |