DEMING SCHOOLS EMPLOYEES
Charter #61559 · DEMING, NM · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.66% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.81% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.41% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 62.65% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 28th — a 36-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 | DEMING SCHOOLS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.43M | 64th pct | 28th pct |
| Members | 874 | 76th pct | 54th pct |
| Net worth ratio | 24.50% | 74th pct | 62th pct |
| Return on average assets | 1.66% | 86th pct | 85th pct |
| Net interest margin | 4.81% | 73th pct | 82th pct |
| Cost of funds | 1.41% | 76th pct | 75th pct |
| Loan-to-share | 46.57% | 37th pct | 46th pct |
| Delinquency 60+ days | 2.02% | 68th pct | 62th pct |
| Net charge-off ratio | 0.62% | 83th pct | 69th pct |
| Loan growth YoY | -14.33% | 14th pct | 5th pct |
| Share growth YoY | -1.56% | 37th pct | 33th pct |
| Efficiency ratio | 62.65% | 18th pct | 16th pct |
structural peer set hash: 3d09bd92282ef0a5fa03ac1709f9e051… (reproducible)
Closest structural peers
This is the free public view
Claim DEMING SCHOOLS EMPLOYEES
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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.