OTERO
Charter #8475 · Alamogordo, NM · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.21% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.69% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.22% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 58.62% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 72nd — a 62-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 | OTERO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $532.49M | 10th pct | 72th pct |
| Members | 33,841 | 27th pct | 69th pct |
| Net worth ratio | 15.21% | 94th pct | 90th pct |
| Return on average assets | 1.69% | 94th pct | 87th pct |
| Net interest margin | 3.70% | 69th pct | 64th pct |
| Cost of funds | 1.13% | 28th pct | 52th pct |
| Loan-to-share | 55.22% | 7th pct | 23th pct |
| Delinquency 60+ days | 0.22% | 13th pct | 21th pct |
| Net charge-off ratio | 0.54% | 61th pct | 59th pct |
| Loan growth YoY | 0.18% | 42th pct | 38th pct |
| Share growth YoY | 4.77% | 63th pct | 59th pct |
| Efficiency ratio | 58.62% | 6th pct | 7th pct |
structural peer set hash: c9a0bc0ac69e8d70afffbaf15a16e196… (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.