CUBA
Charter #66097 · CUBA, NM · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.03% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 64th — a 32-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 | CUBA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.62M | 45th pct | 33th pct |
| Members | 1,421 | 22th pct | 26th pct |
| Net worth ratio | 18.03% | 77th pct | 79th pct |
| Return on average assets | 0.90% | 63th pct | 59th pct |
| Net interest margin | 3.46% | 32th pct | 64th pct |
| Cost of funds | 1.05% | 61th pct | 54th pct |
| Loan-to-share | 36.22% | 17th pct | 25th pct |
| Delinquency 60+ days | 0.30% | 37th pct | 39th pct |
| Net charge-off ratio | 0.00% | 23th pct | 34th pct |
| Loan growth YoY | 3.94% | 90th pct | 89th pct |
| Share growth YoY | 0.56% | 31th pct | 23th pct |
| Efficiency ratio | 75.38% | 38th pct | 49th pct |
structural peer set hash: 4794098373d16a6c3a824a2900fa50a4… (reproducible)
Closest structural peers
This is the free public view
Claim CUBA
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.