STATE EMPLOYEES
Charter #65513 · Santa Fe, NM · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 4.89% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.73% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 62nd — a 42-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 | STATE EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.31B | 20th pct | 62th pct |
| Members | 55,710 | 7th pct | 41th pct |
| Net worth ratio | 10.93% | 54th pct | 54th pct |
| Return on average assets | 0.66% | 46th pct | 48th pct |
| Net interest margin | 3.56% | 63th pct | 46th pct |
| Cost of funds | 1.45% | 34th pct | 39th pct |
| Loan-to-share | 80.73% | 34th pct | 34th pct |
| Delinquency 60+ days | 4.89% | 100th pct | 97th pct |
| Net charge-off ratio | 0.73% | 68th pct | 77th pct |
| Loan growth YoY | 6.24% | 88th pct | 90th pct |
| Share growth YoY | 0.05% | 6th pct | 5th pct |
| Efficiency ratio | 72.97% | 51th pct | 38th pct |
structural peer set hash: 06ff76e9180b488eed34415f27f4c2e8… (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.