Southwest
Albuquerque, NM · Charter 964 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 3 branches
Q2 2025
$78.1MAssets
$32.2MLoans
$75.7MShares
$4.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets (rank 168 of 1657).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets (rank 1652 of 1658).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.77%
Rank 1,585 of 1,659
Net Interest Margin
2.64%
Rank 1,529 of 1,658
Efficiency Ratio
119.07%
Rank 1,616 of 1,656
Equity / Assets
6.06%
Rank 1,652 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.77% | 0.35% | 0.78% | 1.25% | Beats 4% | 1,585 / 1,659 | |
| Return on Equity | -12.77% | 2.75% | 6.06% | 9.41% | Beats 2% | 1,619 / 1,657 | |
| Net Interest Margin | 2.64% | 3.20% | 3.76% | 4.33% | Beats 8% | 1,529 / 1,658 | |
| Efficiency Ratio | 119.07% | 67.69% | 77.34% | 85.79% | Beats 2% | 1,616 / 1,656 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.24% | 0.65% | 1.35% | Beats 90% | 168 / 1,657 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 6.06% | 10.20% | 12.57% | 16.16% | Beats 0% | 1,653 / 1,659 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 6.06% | 10.20% | 12.57% | 16.15% | Beats 0% | 1,652 / 1,658 | |
| Liquidity & Funding |
| Loans / Deposits | 42.48% | 54.91% | 71.55% | 84.72% | 12th pctl | 1,463 / 1,658 | |
| Loans / Assets | 41.21% | 46.17% | 60.56% | 71.91% | 19th pctl | 1,349 / 1,658 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |