Ray
Kearny, AZ · Charter 9951 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 1 branch
Q2 2024
$14.4MAssets
$9.4MLoans
$13.6MShares
$559KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 97% of credit unions under $1B in assets (rank 51 of 1752).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets (rank 1747 of 1752).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-2.83%
Rank 1,713 of 1,753
Net Interest Margin
5.87%
Rank 51 of 1,752
Efficiency Ratio
103.99%
Rank 1,623 of 1,748
Equity / Assets
3.88%
Rank 1,747 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.83% | 0.23% | 0.68% | 1.19% | Beats 2% | 1,713 / 1,753 | |
| Return on Equity | -72.99% | 1.80% | 5.29% | 9.05% | Beats 1% | 1,737 / 1,750 | |
| Net Interest Margin | 5.87% | 2.98% | 3.54% | 4.20% | Beats 97% | 51 / 1,752 | |
| Efficiency Ratio | 103.99% | 69.58% | 78.86% | 88.33% | Beats 7% | 1,623 / 1,748 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.96% | 0.22% | 0.59% | 1.20% | Beats 8% | 1,601 / 1,748 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 3.88% | 9.91% | 12.21% | 15.57% | Beats 0% | 1,748 / 1,753 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 3.88% | 9.91% | 12.21% | 15.57% | Beats 0% | 1,747 / 1,752 | |
| Liquidity & Funding |
| Loans / Deposits | 68.81% | 55.88% | 73.01% | 86.61% | 42nd pctl | 1,007 / 1,750 | |
| Loans / Assets | 64.93% | 48.21% | 62.51% | 73.23% | 55th pctl | 789 / 1,752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |