Railroad Employees
Belen, NM · Charter 62841 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$79.9MAssets
$49.4MLoans
$70.5MShares
$8.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 86% of credit unions under $1B in assets (rank 227 of 1681).
- Widest gap: net interest margin trails 72% of credit unions under $1B in assets (rank 1204 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.15%
Rank 445 of 1,683
Net Interest Margin
3.39%
Rank 1,204 of 1,683
Efficiency Ratio
62.48%
Rank 232 of 1,682
Equity / Assets
10.80%
Rank 1,195 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 74% | 445 / 1,683 | | |
| Return on Equity | 10.69% | 2.67% | 5.89% | 8.74% | Beats 86% | 227 / 1,681 | | |
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,204 / 1,683 | | |
| Efficiency Ratio | 62.48% | 68.91% | 78.20% | 86.93% | Beats 86% | 232 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.26% | 0.65% | 1.29% | Beats 59% | 696 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.80% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,195 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.80% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,195 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.06% | 52.61% | 69.38% | 83.50% | 51st pctl | 824 / 1,683 | | |
| Loans / Assets | 61.79% | 44.71% | 59.18% | 70.72% | 56th pctl | 739 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |