HIGH DESERT COMMUNITY
Charter #66185 · Aztec, NM · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.61% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.29% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.67% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.68% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.57% sits at the 80th 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 | HIGH DESERT COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.24M | 31th pct | 16th pct |
| Members | 1,894 | 42th pct | 39th pct |
| Net worth ratio | 13.33% | 48th pct | 62th pct |
| Return on average assets | 1.61% | 88th pct | 87th pct |
| Net interest margin | 3.29% | 26th pct | 20th pct |
| Cost of funds | 1.67% | 82th pct | 89th pct |
| Loan-to-share | 48.06% | 33th pct | 38th pct |
| Delinquency 60+ days | 1.68% | 81th pct | 79th pct |
| Net charge-off ratio | 0.57% | 74th pct | 80th pct |
| Loan growth YoY | -17.28% | 1th pct | 2th pct |
| Share growth YoY | 8.61% | 93th pct | 84th pct |
| Efficiency ratio | 51.02% | 4th pct | 0th pct |
structural peer set hash: 5b87855b5a71e9c42d0fa1d24bafcf53… (reproducible)
Closest structural peers
This is the free public view
Claim HIGH DESERT COMMUNITY
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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.