Loco
Alamogordo, NM · Charter 66117 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$60.8MAssets
$24.1MLoans
$52.3MShares
$7.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 75% of credit unions under $1B in assets (rank 419 of 1682).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets (rank 1565 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.40%
Rank 1,563 of 1,683
Net Interest Margin
3.63%
Rank 1,012 of 1,683
Efficiency Ratio
68.90%
Rank 419 of 1,682
Equity / Assets
12.95%
Rank 829 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.40% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,563 / 1,683 | |
| Return on Equity | -3.10% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,571 / 1,681 | |
| Net Interest Margin | 3.63% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,012 / 1,683 | |
| Efficiency Ratio | 68.90% | 68.91% | 78.20% | 86.93% | Beats 75% | 419 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.19% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,565 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.95% | 10.44% | 12.89% | 16.53% | Beats 51% | 829 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.95% | 10.44% | 12.89% | 16.53% | Beats 51% | 829 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 46.09% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,389 / 1,683 | |
| Loans / Assets | 39.66% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,371 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |