JEMEZ VALLEY
Charter #62637 · JEMEZ SPRINGS, NM · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.07% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.04% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.07% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 94.38% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 85th — a 25-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 | JEMEZ VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.34M | 57th pct | 41th pct |
| Members | 1,822 | 38th pct | 38th pct |
| Net worth ratio | 12.34% | 39th pct | 54th pct |
| Return on average assets | 0.28% | 30th pct | 33th pct |
| Net interest margin | 4.07% | 61th pct | 85th pct |
| Cost of funds | 0.04% | 3th pct | 5th pct |
| Loan-to-share | 43.05% | 25th pct | 30th pct |
| Delinquency 60+ days | 0.82% | 62th pct | 67th pct |
| Net charge-off ratio | -0.07% | 11th pct | 11th pct |
| Loan growth YoY | 1.69% | 81th pct | 79th pct |
| Share growth YoY | 4.54% | 71th pct | 70th pct |
| Efficiency ratio | 94.38% | 82th pct | 82th pct |
structural peer set hash: 7543f6525418c490a22786730b021c97… (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.