LOCO
Charter #66117 · ALAMOGORDO, NM · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.90% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.21% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 1.56% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.39% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.60% sits at the 87th 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 | LOCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $62.00M | 29th pct | 52th pct |
| Members | 4,308 | 34th pct | 46th pct |
| Net worth ratio | 13.02% | 52th pct | 54th pct |
| Return on average assets | -0.90% | 3th pct | 8th pct |
| Net interest margin | 3.21% | 24th pct | 16th pct |
| Cost of funds | 1.56% | 83th pct | 90th pct |
| Loan-to-share | 46.70% | 24th pct | 38th pct |
| Delinquency 60+ days | 1.39% | 84th pct | 77th pct |
| Net charge-off ratio | 1.60% | 96th pct | 87th pct |
| Loan growth YoY | -6.60% | 10th pct | 26th pct |
| Share growth YoY | -6.45% | 1th pct | 3th pct |
| Efficiency ratio | 76.87% | 42th pct | 46th pct |
structural peer set hash: a6e972cd6f97ae2b43e601de279cff66… (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.