Eddy
Carlsbad, NM · Charter 9566 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$61.8MAssets
$45.3MLoans
$50.0MShares
$11.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of credit unions under $1B in assets (rank 136 of 1682).
- Widest gap: return on equity trails 89% of credit unions under $1B in assets (rank 1488 of 1681).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.00%
Rank 1,488 of 1,683
Net Interest Margin
4.66%
Rank 264 of 1,683
Efficiency Ratio
93.30%
Rank 1,469 of 1,682
Equity / Assets
18.34%
Rank 314 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.00% | 0.35% | 0.74% | 1.18% | Beats 12% | 1,488 / 1,683 | |
| Return on Equity | -0.02% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,488 / 1,681 | |
| Net Interest Margin | 4.66% | 3.31% | 3.82% | 4.32% | Beats 84% | 264 / 1,683 | |
| Efficiency Ratio | 93.30% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,469 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 92% | 136 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.34% | 10.44% | 12.89% | 16.53% | Beats 81% | 314 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.34% | 10.44% | 12.89% | 16.53% | Beats 81% | 314 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 90.49% | 52.61% | 69.38% | 83.50% | 87th pctl | 225 / 1,683 | |
| Loans / Assets | 73.29% | 44.71% | 59.18% | 70.72% | 80th pctl | 330 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |