State Employees
Santa Fe, NM · Charter 65513 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
$1.3BAssets
$949.2MLoans
$1.1BShares
$146.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 77% of credit unions $1B-$10B in assets (rank 100 of 435).
- Widest gap: nonperforming loans / loans trails 99% of credit unions $1B-$10B in assets (rank 433 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.91%
Rank 171 of 435
Net Interest Margin
3.77%
Rank 100 of 435
Efficiency Ratio
67.75%
Rank 156 of 435
Equity / Assets
11.38%
Rank 172 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.55% | 0.81% | 1.14% | Beats 61% | 171 / 435 | |
| Return on Equity | 8.03% | 5.12% | 7.41% | 9.70% | Beats 56% | 193 / 435 | |
| Net Interest Margin | 3.77% | 3.01% | 3.39% | 3.75% | Beats 77% | 100 / 435 | |
| Efficiency Ratio | 67.75% | 65.25% | 71.39% | 77.86% | Beats 64% | 156 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.46% | 0.45% | 0.69% | 1.05% | Beats 1% | 433 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.38% | 9.81% | 10.84% | 12.63% | Beats 60% | 172 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.38% | 9.81% | 10.84% | 12.63% | Beats 60% | 172 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 83.42% | 78.33% | 88.38% | 95.61% | 36th pctl | 277 / 435 | |
| Loans / Assets | 73.68% | 67.69% | 74.58% | 80.80% | 46th pctl | 235 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |