THE FLORIST
Charter #19567 · ROSWELL, NM · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 671 sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of -0.36% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.59% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 104.18% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 5th — a 78-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 | THE FLORIST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.37M | 83th pct | 5th pct |
| Members | 671 | 58th pct | 0th pct |
| Net worth ratio | 14.67% | 36th pct | 66th pct |
| Return on average assets | -0.36% | 25th pct | 18th pct |
| Net interest margin | 4.24% | 56th pct | 62th pct |
| Cost of funds | 0.83% | 60th pct | 59th pct |
| Loan-to-share | 58.94% | 50th pct | 51th pct |
| Delinquency 60+ days | 1.59% | 62th pct | 79th pct |
| Net charge-off ratio | 0.17% | 76th pct | 62th pct |
| Loan growth YoY | -9.53% | 30th pct | 8th pct |
| Share growth YoY | 4.23% | 77th pct | 75th pct |
| Efficiency ratio | 104.18% | 76th pct | 82th pct |
structural peer set hash: 83dee1b79fa61880477135ba74a0f25a… (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.