ZIA
Charter #60467 · Los Alamos, NM · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 46th — a 23-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 | ZIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $273.62M | 69th pct | 46th pct |
| Members | 14,198 | 55th pct | 33th pct |
| Net worth ratio | 11.55% | 51th pct | 59th pct |
| Return on average assets | 0.63% | 44th pct | 43th pct |
| Net interest margin | 3.88% | 65th pct | 69th pct |
| Cost of funds | 1.54% | 68th pct | 56th pct |
| Loan-to-share | 85.86% | 81th pct | 59th pct |
| Delinquency 60+ days | 0.41% | 32th pct | 43th pct |
| Net charge-off ratio | 0.28% | 41th pct | 49th pct |
| Loan growth YoY | 3.75% | 80th pct | 77th pct |
| Share growth YoY | 3.16% | 45th pct | 33th pct |
| Efficiency ratio | 83.95% | 69th pct | 72th pct |
structural peer set hash: dd64449a1fe20dad06acceacfca6a240… (reproducible)
Closest structural peers
This is the free public view
Claim ZIA
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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.