SANDIA AREA
Charter #11316 · Albuquerque, NM · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.22% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.16% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 2.22% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.20% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
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 | SANDIA AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.41B | 25th pct | 59th pct |
| Members | 70,188 | 18th pct | 41th pct |
| Net worth ratio | 11.23% | 60th pct | 62th pct |
| Return on average assets | 1.22% | 82th pct | 79th pct |
| Net interest margin | 3.16% | 38th pct | 18th pct |
| Cost of funds | 2.22% | 72th pct | 80th pct |
| Loan-to-share | 97.75% | 85th pct | 82th pct |
| Delinquency 60+ days | 0.18% | 7th pct | 3th pct |
| Net charge-off ratio | 0.20% | 15th pct | 5th pct |
| Loan growth YoY | 1.86% | 52th pct | 41th pct |
| Share growth YoY | 4.47% | 57th pct | 48th pct |
| Efficiency ratio | 62.23% | 16th pct | 18th pct |
structural peer set hash: 02e94b5c998784c5185a4e251121a440… (reproducible)
Closest structural peers
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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.