Innorve

RIO GRANDE

Charter #62573 · Albuquerque, NM · $500M-$1B

Public 5300 data · as of 2026Q1

What the numbers say

  • Net worth ratio of 8.90% sits at the 18th percentile of structural peers — worth a closer look.
  • Return on average assets of 0.35% sits at the 18th percentile of structural peers — worth a closer look.
  • Cost of funds of 2.07% sits at the 93rd percentile of structural peers — worth a closer look.
  • Delinquency 60+ days of 0.86% sits at the 75th percentile of structural peers — worth a closer look.
  • Net charge-off ratio of 1.52% sits at the 95th percentile of structural peers — worth a closer look.

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.

MetricRIO GRANDEAsset-tier percentileStructural percentile
Total assets$665.90M40th pct56th pct
Members50,83474th pct66th pct
Net worth ratio8.90%17th pct18th pct
Return on average assets0.35%24th pct18th pct
Net interest margin3.60%59th pct51th pct
Cost of funds2.07%83th pct93th pct
Loan-to-share67.57%20th pct30th pct
Delinquency 60+ days0.86%70th pct75th pct
Net charge-off ratio1.52%95th pct95th pct
Loan growth YoY3.31%76th pct80th pct
Share growth YoY0.77%11th pct13th pct
Efficiency ratio84.26%76th pct74th pct

structural peer set hash: 44db5d09174a92c8f89e31fc3e98097b… (reproducible)

Closest structural peers

FIRST FINANCIAL78.7%
#68244 · NM
DEL NORTE71%
#64759 · NM
DEXSTA61.5%
#2187 · DE
MCCOY59.8%
#9915 · FL
SAGE59.7%
#960 · OR
CAMPUS58.7%
#79 · LA
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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.