EDDY
Charter #9566 · Carlsbad, NM · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.63% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.05% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.26% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 64th — a 35-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 | EDDY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $62.07M | 29th pct | 64th pct |
| Members | 4,950 | 49th pct | 57th pct |
| Net worth ratio | 18.11% | 85th pct | 69th pct |
| Return on average assets | 0.71% | 50th pct | 46th pct |
| Net interest margin | 4.63% | 90th pct | 82th pct |
| Cost of funds | 0.98% | 55th pct | 61th pct |
| Loan-to-share | 85.40% | 90th pct | 77th pct |
| Delinquency 60+ days | 0.05% | 6th pct | 13th pct |
| Net charge-off ratio | 1.26% | 93th pct | 95th pct |
| Loan growth YoY | 0.36% | 68th pct | 62th pct |
| Share growth YoY | 4.68% | 71th pct | 54th pct |
| Efficiency ratio | 83.90% | 62th pct | 56th pct |
structural peer set hash: 8eea179529035e13ad1e3ea170934b20… (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.