RIO GRANDE
Charter #3963 · Grand Junction, CO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.33% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.64% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 54.03% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 43rd — 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 | RIO GRANDE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $81.64M | 71th pct | 62th pct |
| Members | 4,910 | 48th pct | 61th pct |
| Net worth ratio | 21.33% | 93th pct | 89th pct |
| Return on average assets | 1.64% | 88th pct | 85th pct |
| Net interest margin | 3.20% | 23th pct | 43th pct |
| Cost of funds | 1.11% | 62th pct | 62th pct |
| Loan-to-share | 44.33% | 20th pct | 39th pct |
| Delinquency 60+ days | 0.35% | 34th pct | 43th pct |
| Net charge-off ratio | 0.05% | 25th pct | 31th pct |
| Loan growth YoY | -1.92% | 46th pct | 56th pct |
| Share growth YoY | 1.39% | 33th pct | 30th pct |
| Efficiency ratio | 54.03% | 6th pct | 11th pct |
structural peer set hash: 9f4ba0c2a38e9a91e822f2ca9b640cb2… (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.