Internationalites
Carlsbad, NM · Charter 7027 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$11.7MAssets
$8.5MLoans
$9.7MShares
$2.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets (rank 344 of 1682).
- Widest gap: efficiency ratio trails 95% of credit unions under $1B in assets (rank 1607 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.39%
Rank 1,561 of 1,683
Net Interest Margin
3.43%
Rank 1,178 of 1,683
Efficiency Ratio
108.81%
Rank 1,607 of 1,682
Equity / Assets
17.21%
Rank 380 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.39% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,561 / 1,683 | |
| Return on Equity | -2.28% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,558 / 1,681 | |
| Net Interest Margin | 3.43% | 3.31% | 3.82% | 4.32% | Beats 30% | 1,178 / 1,683 | |
| Efficiency Ratio | 108.81% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,607 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.26% | 0.65% | 1.29% | Beats 80% | 344 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.21% | 10.44% | 12.89% | 16.53% | Beats 77% | 380 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.21% | 10.44% | 12.89% | 16.53% | Beats 77% | 380 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 87.73% | 52.61% | 69.38% | 83.50% | 83rd pctl | 290 / 1,683 | |
| Loans / Assets | 72.29% | 44.71% | 59.18% | 70.72% | 78th pctl | 368 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |