VALLEY EDUCATORS
Charter #63468 · Alamosa, CO · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.43% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 6.39% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.76% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.62% 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.
| Metric | VALLEY EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.36M | 74th pct | 49th pct |
| Members | 1,009 | 83th pct | 56th pct |
| Net worth ratio | 20.96% | 62th pct | 69th pct |
| Return on average assets | -1.43% | 13th pct | 5th pct |
| Net interest margin | 6.39% | 94th pct | 90th pct |
| Cost of funds | 0.10% | 22th pct | 7th pct |
| Loan-to-share | 92.06% | 89th pct | 79th pct |
| Delinquency 60+ days | 2.76% | 75th pct | 80th pct |
| Net charge-off ratio | 3.62% | 94th pct | 95th pct |
| Loan growth YoY | 1.79% | 80th pct | 77th pct |
| Share growth YoY | 8.14% | 90th pct | 87th pct |
| Efficiency ratio | 83.28% | 45th pct | 64th pct |
structural peer set hash: 6f651c5fc9b760f063efbe36382ef931… (reproducible)
Closest structural peers
This is the free public view
Claim VALLEY EDUCATORS
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.