Telco Roswell New Mexico
Roswell, NM · Charter 7999 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
$4.9MAssets
$3.1MLoans
$3.2MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of credit unions under $1B in assets (rank 35 of 1724).
- Widest gap: efficiency ratio trails 99% of credit unions under $1B in assets (rank 1705 of 1721).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-3.43%
Rank 1,705 of 1,724
Net Interest Margin
3.43%
Rank 1,015 of 1,723
Efficiency Ratio
159.56%
Rank 1,705 of 1,721
Equity / Assets
33.77%
Rank 34 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -3.43% | 0.25% | 0.67% | 1.13% | Beats 1% | 1,705 / 1,724 | |
| Return on Equity | -10.14% | 1.95% | 5.34% | 8.54% | Beats 4% | 1,657 / 1,723 | |
| Net Interest Margin | 3.43% | 3.03% | 3.61% | 4.27% | Beats 41% | 1,015 / 1,723 | |
| Efficiency Ratio | 159.56% | 69.84% | 78.36% | 87.50% | Beats 1% | 1,705 / 1,721 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.78% | 0.28% | 0.70% | 1.38% | Beats 5% | 1,630 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 33.77% | 10.16% | 12.41% | 16.03% | Beats 98% | 35 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 33.77% | 10.15% | 12.41% | 16.03% | Beats 98% | 34 / 1,723 | |
| Liquidity & Funding |
| Loans / Deposits | 94.49% | 55.95% | 72.66% | 85.34% | 90th pctl | 171 / 1,722 | |
| Loans / Assets | 62.58% | 47.91% | 62.00% | 72.82% | 52nd pctl | 832 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |