DEL NORTE
Charter #64759 · Los Alamos, NM · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.50% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 3.96% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.09% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.27% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 57th — a 29-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 | DEL NORTE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.47B | 28th pct | 57th pct |
| Members | 67,873 | 16th pct | 38th pct |
| Net worth ratio | 9.50% | 21th pct | 16th pct |
| Return on average assets | 1.00% | 73th pct | 70th pct |
| Net interest margin | 3.96% | 87th pct | 89th pct |
| Cost of funds | 1.46% | 35th pct | 44th pct |
| Loan-to-share | 75.19% | 22th pct | 30th pct |
| Delinquency 60+ days | 0.52% | 39th pct | 48th pct |
| Net charge-off ratio | 1.09% | 87th pct | 85th pct |
| Loan growth YoY | 2.16% | 55th pct | 48th pct |
| Share growth YoY | 5.26% | 68th pct | 70th pct |
| Efficiency ratio | 64.27% | 22th pct | 13th pct |
structural peer set hash: e411d61a1e6642678716fc246c5494ad… (reproducible)
Closest structural peers
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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.