High Desert Community
Aztec, NM · Charter 66185 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$18.3MAssets
$7.0MLoans
$15.9MShares
$2.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 68% of credit unions under $1B in assets (rank 535 of 1681).
- Widest gap: nonperforming loans / loans trails 86% of credit unions under $1B in assets (rank 1440 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.02%
Rank 580 of 1,683
Net Interest Margin
3.15%
Rank 1,365 of 1,683
Efficiency Ratio
80.42%
Rank 956 of 1,682
Equity / Assets
12.95%
Rank 828 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.35% | 0.74% | 1.18% | Beats 66% | 580 / 1,683 | | |
| Return on Equity | 7.84% | 2.67% | 5.89% | 8.74% | Beats 68% | 535 / 1,681 | | |
| Net Interest Margin | 3.15% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,365 / 1,683 | | |
| Efficiency Ratio | 80.42% | 68.91% | 78.20% | 86.93% | Beats 43% | 956 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.95% | 0.26% | 0.65% | 1.29% | Beats 14% | 1,440 / 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% | 828 / 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% | 828 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 44.13% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,423 / 1,683 | | |
| Loans / Assets | 38.37% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,406 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |