INTERNATIONALITES
Charter #7027 · CARLSBAD, NM · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.76% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 3.41% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 116.75% sits at the 97th 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 | INTERNATIONALITES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.37M | 6th pct | 44th pct |
| Members | 1,058 | 7th pct | 38th pct |
| Net worth ratio | 17.77% | 75th pct | 59th pct |
| Return on average assets | -0.76% | 8th pct | 10th pct |
| Net interest margin | 3.41% | 31th pct | 25th pct |
| Cost of funds | 0.53% | 35th pct | 34th pct |
| Loan-to-share | 91.09% | 95th pct | 85th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 20th pct |
| Loan growth YoY | 4.57% | 92th pct | 92th pct |
| Share growth YoY | -1.37% | 16th pct | 23th pct |
| Efficiency ratio | 116.75% | 96th pct | 97th pct |
structural peer set hash: a7f2f657a8e2c76fe9251baeee5b337a… (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.