SOUTHEASTERN ARIZONA
Charter #9897 · Douglas, AZ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,392 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.32% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.26% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.22% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.11% sits at the 87th 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 | SOUTHEASTERN ARIZONA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.97M | 99th pct | 87th pct |
| Members | 5,392 | 98th pct | 92th pct |
| Net worth ratio | 14.28% | 54th pct | 49th pct |
| Return on average assets | 2.32% | 97th pct | 97th pct |
| Net interest margin | 4.26% | 70th pct | 80th pct |
| Cost of funds | 0.22% | 16th pct | 18th pct |
| Loan-to-share | 46.75% | 32th pct | 39th pct |
| Delinquency 60+ days | 0.56% | 48th pct | 54th pct |
| Net charge-off ratio | 1.11% | 87th pct | 87th pct |
| Loan growth YoY | -1.86% | 55th pct | 54th pct |
| Share growth YoY | 6.05% | 81th pct | 69th pct |
| Efficiency ratio | 63.19% | 15th pct | 25th pct |
structural peer set hash: 53ff1255724a10281f0119c0b2e1a63c… (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.