COCONINO
Charter #10335 · Flagstaff, AZ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.01% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.20% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.00% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 38th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COCONINO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $126.55M | 18th pct | 38th pct |
| Members | 9,639 | 30th pct | 34th pct |
| Net worth ratio | 10.67% | 38th pct | 30th pct |
| Return on average assets | 0.85% | 60th pct | 46th pct |
| Net interest margin | 4.01% | 72th pct | 79th pct |
| Cost of funds | 0.86% | 32th pct | 44th pct |
| Loan-to-share | 52.73% | 15th pct | 25th pct |
| Delinquency 60+ days | 0.20% | 13th pct | 16th pct |
| Net charge-off ratio | 1.00% | 88th pct | 85th pct |
| Loan growth YoY | -1.03% | 35th pct | 43th pct |
| Share growth YoY | 1.82% | 26th pct | 25th pct |
| Efficiency ratio | 75.79% | 40th pct | 34th pct |
structural peer set hash: f91da682318ef5012e86c52d1b9cb065… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.