COCHISE
Charter #60151 · Willcox, AZ · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.64% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.71% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.05% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.44% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 63rd percentile but its structural peers at the 38th — a 25-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 | COCHISE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $76.79M | 61th pct | 56th pct |
| Members | 5,840 | 63th pct | 38th pct |
| Net worth ratio | 16.64% | 80th pct | 77th pct |
| Return on average assets | 1.71% | 91th pct | 82th pct |
| Net interest margin | 4.06% | 70th pct | 54th pct |
| Cost of funds | 1.09% | 60th pct | 48th pct |
| Loan-to-share | 73.26% | 73th pct | 59th pct |
| Delinquency 60+ days | 1.05% | 73th pct | 75th pct |
| Net charge-off ratio | 0.27% | 52th pct | 31th pct |
| Loan growth YoY | -0.15% | 63th pct | 51th pct |
| Share growth YoY | 4.92% | 73th pct | 57th pct |
| Efficiency ratio | 60.44% | 11th pct | 18th pct |
structural peer set hash: 975249c011190b1316566d5a5412385a… (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.