Valley Educators
Alamosa, CO · Charter 63468 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$6.1MAssets
$4.4MLoans
$4.8MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 99% of credit unions under $1B in assets (rank 22 of 1683).
- Widest gap: return on equity trails 90% of credit unions under $1B in assets (rank 1510 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.13%
Rank 1,517 of 1,683
Net Interest Margin
6.47%
Rank 22 of 1,683
Efficiency Ratio
83.02%
Rank 1,089 of 1,682
Equity / Assets
21.95%
Rank 162 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.13% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,517 / 1,683 | |
| Return on Equity | -0.59% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,510 / 1,681 | |
| Net Interest Margin | 6.47% | 3.31% | 3.82% | 4.32% | Beats 99% | 22 / 1,683 | |
| Efficiency Ratio | 83.02% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,089 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.41% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,500 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.95% | 10.44% | 12.89% | 16.53% | Beats 90% | 162 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.95% | 10.44% | 12.89% | 16.53% | Beats 90% | 162 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 92.47% | 52.61% | 69.38% | 83.50% | 90th pctl | 163 / 1,683 | |
| Loans / Assets | 72.06% | 44.71% | 59.18% | 70.72% | 78th pctl | 375 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |