SANTA FE
Charter #9971 · Amarillo, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.38% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 2.01% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.92% sits at the 77th 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 | SANTA FE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $221.71M | 57th pct | 66th pct |
| Members | 14,370 | 56th pct | 57th pct |
| Net worth ratio | 12.58% | 65th pct | 59th pct |
| Return on average assets | 0.72% | 51th pct | 52th pct |
| Net interest margin | 3.38% | 33th pct | 21th pct |
| Cost of funds | 2.01% | 88th pct | 92th pct |
| Loan-to-share | 71.52% | 50th pct | 51th pct |
| Delinquency 60+ days | 0.59% | 48th pct | 51th pct |
| Net charge-off ratio | 0.92% | 87th pct | 77th pct |
| Loan growth YoY | 11.66% | 99th pct | 97th pct |
| Share growth YoY | 2.56% | 36th pct | 31th pct |
| Efficiency ratio | 82.22% | 63th pct | 66th pct |
structural peer set hash: faa37e5bec64d4f690d5dce4d0d33f77… (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.