EVERYONE'S
Charter #9370 · Tucumcari, NM · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,565 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.36% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.01% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.75% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 66th — a 33-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 | EVERYONE'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.69M | 99th pct | 66th pct |
| Members | 4,565 | 94th pct | 75th pct |
| Net worth ratio | 13.40% | 48th pct | 56th pct |
| Return on average assets | 0.74% | 55th pct | 39th pct |
| Net interest margin | 3.36% | 29th pct | 25th pct |
| Cost of funds | 1.01% | 59th pct | 64th pct |
| Loan-to-share | 65.35% | 63th pct | 46th pct |
| Delinquency 60+ days | 0.01% | 11th pct | 3th pct |
| Net charge-off ratio | 0.75% | 79th pct | 87th pct |
| Loan growth YoY | -5.37% | 28th pct | 16th pct |
| Share growth YoY | 5.91% | 80th pct | 79th pct |
| Efficiency ratio | 83.03% | 57th pct | 67th pct |
structural peer set hash: adbce86590234b5e20e7a01f5cb6bd0f… (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.