RINCONES PRESBYTERIAN
Charter #61946 · CHACON, NM · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.15% sits at the 20th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 33rd — a 28-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 | RINCONES PRESBYTERIAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.19M | 73th pct | 48th pct |
| Members | 696 | 61th pct | 33th pct |
| Net worth ratio | 10.15% | 14th pct | 20th pct |
| Return on average assets | 0.66% | 59th pct | 51th pct |
| Net interest margin | 4.74% | 72th pct | 64th pct |
| Cost of funds | 2.15% | 90th pct | 70th pct |
| Loan-to-share | 91.09% | 88th pct | 80th pct |
| Delinquency 60+ days | 1.40% | 60th pct | 72th pct |
| Net charge-off ratio | -0.01% | 21th pct | 21th pct |
| Loan growth YoY | 9.20% | 93th pct | 98th pct |
| Share growth YoY | 5.24% | 82th pct | 66th pct |
| Efficiency ratio | 88.04% | 53th pct | 69th pct |
structural peer set hash: 641753680297bcd77ed69fde16525d90… (reproducible)
Closest structural peers
This is the free public view
Claim RINCONES PRESBYTERIAN
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.