QUAY SCHOOLS
Charter #14758 · Tucumcari, NM · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.03% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 94.87% sits at the 75th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 38th — a 19-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 | QUAY SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.43M | 89th pct | 75th pct |
| Members | 1,134 | 87th pct | 74th pct |
| Net worth ratio | 19.60% | 58th pct | 67th pct |
| Return on average assets | 0.25% | 43th pct | 34th pct |
| Net interest margin | 4.28% | 57th pct | 38th pct |
| Cost of funds | 2.09% | 89th pct | 72th pct |
| Loan-to-share | 90.64% | 87th pct | 72th pct |
| Delinquency 60+ days | 0.03% | 28th pct | 23th pct |
| Net charge-off ratio | 0.10% | 75th pct | 61th pct |
| Loan growth YoY | -1.34% | 68th pct | 52th pct |
| Share growth YoY | 3.18% | 71th pct | 66th pct |
| Efficiency ratio | 94.87% | 64th pct | 75th pct |
structural peer set hash: 9b157a6f8149ff7ed28e6ab775840fa6… (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.