ESTACADO
Charter #8299 · HOBBS, NM · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.79% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.73% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.74% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.20% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 54th — a 41-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 | ESTACADO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $119.27M | 13th pct | 54th pct |
| Members | 8,844 | 23th pct | 43th pct |
| Net worth ratio | 13.68% | 76th pct | 61th pct |
| Return on average assets | 1.79% | 94th pct | 93th pct |
| Net interest margin | 4.73% | 94th pct | 92th pct |
| Cost of funds | 1.29% | 55th pct | 67th pct |
| Loan-to-share | 70.56% | 48th pct | 54th pct |
| Delinquency 60+ days | 0.36% | 27th pct | 34th pct |
| Net charge-off ratio | 0.74% | 81th pct | 75th pct |
| Loan growth YoY | 6.30% | 92th pct | 90th pct |
| Share growth YoY | 3.61% | 53th pct | 46th pct |
| Efficiency ratio | 66.20% | 18th pct | 25th pct |
structural peer set hash: 57e1e11cc481f91a07dc22bf4b7bcb7e… (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.