Otero
Alamogordo, NM · Charter 8475 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$535.3MAssets
$250.4MLoans
$450.7MShares
$83.2MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 91% of credit unions under $1B in assets (rank 155 of 1683).
- Widest gap: net interest margin trails 55% of credit unions under $1B in assets (rank 930 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.72%
Rank 155 of 1,683
Net Interest Margin
3.71%
Rank 930 of 1,683
Efficiency Ratio
57.94%
Rank 165 of 1,682
Equity / Assets
15.54%
Rank 496 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.72% | 0.35% | 0.74% | 1.18% | Beats 91% | 155 / 1,683 | |
| Return on Equity | 11.09% | 2.67% | 5.89% | 8.74% | Beats 88% | 200 / 1,681 | |
| Net Interest Margin | 3.71% | 3.31% | 3.82% | 4.32% | Beats 45% | 930 / 1,683 | |
| Efficiency Ratio | 57.94% | 68.91% | 78.20% | 86.93% | Beats 90% | 165 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.65% | 1.29% | Beats 75% | 415 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.54% | 10.44% | 12.89% | 16.53% | Beats 71% | 496 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.54% | 10.44% | 12.89% | 16.53% | Beats 71% | 496 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 55.55% | 52.61% | 69.38% | 83.50% | 29th pctl | 1,202 / 1,683 | |
| Loans / Assets | 46.77% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,206 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |