FINANCIAL SECURITY
Charter #62452 · CARLSBAD, NM · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.10% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.93% sits at the 75th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 43rd — a 26-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 | FINANCIAL SECURITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $63.85M | 34th pct | 51th pct |
| Members | 5,139 | 53th pct | 48th pct |
| Net worth ratio | 16.34% | 78th pct | 62th pct |
| Return on average assets | 1.09% | 69th pct | 52th pct |
| Net interest margin | 4.04% | 69th pct | 43th pct |
| Cost of funds | 0.10% | 7th pct | 2th pct |
| Loan-to-share | 85.69% | 91th pct | 84th pct |
| Delinquency 60+ days | 0.93% | 69th pct | 75th pct |
| Net charge-off ratio | 0.15% | 39th pct | 38th pct |
| Loan growth YoY | 3.01% | 84th pct | 80th pct |
| Share growth YoY | 4.57% | 70th pct | 56th pct |
| Efficiency ratio | 77.50% | 44th pct | 54th pct |
structural peer set hash: c7c87e0b765491c02c32844e711bc3c5… (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.