GUADALUPE
Charter #66149 · Santa Fe, NM · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 31,561 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.81% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.04% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.35% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.64% sits at the 77th 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 | GUADALUPE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $348.57M | 81th pct | 67th pct |
| Members | 31,561 | 95th pct | 92th pct |
| Net worth ratio | 12.17% | 59th pct | 70th pct |
| Return on average assets | 0.71% | 50th pct | 43th pct |
| Net interest margin | 4.81% | 95th pct | 97th pct |
| Cost of funds | 0.04% | 4th pct | 3th pct |
| Loan-to-share | 69.36% | 45th pct | 34th pct |
| Delinquency 60+ days | 1.35% | 87th pct | 89th pct |
| Net charge-off ratio | 0.64% | 75th pct | 77th pct |
| Loan growth YoY | 6.19% | 91th pct | 92th pct |
| Share growth YoY | 3.48% | 50th pct | 39th pct |
| Efficiency ratio | 82.92% | 66th pct | 75th pct |
structural peer set hash: 0889c507629d30a2ba871c195058af87… (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.