Zia

Los Alamos, NM · 2 · Charter #60467 · www.ziacu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$260.6M
4th percentile
Members
13,959
7th percentile
Total loans
$205.0M
21th percentile
Total shares
$239.8M
9th percentile

Profitability

Return on assets
1.25%
69th percentile
Net interest margin
3.77%
71th percentile
Efficiency ratio
58.95%
50th percentile
Non-interest income ratio
19.68%
55th percentile

Capital & Risk

Net worth ratio
8.12%
6th percentile
Delinquency rate
0.39%
80th percentile
Net charge-off rate
0.47%
43th percentile
Loan-to-share
85.51%
63th percentile

Growth

Member growth YoY
7.41%
94th percentile
Asset growth YoY
9.80%
85th percentile
Loan growth YoY
17.29%
93th percentile
Share growth YoY
10.08%
88th percentile

Operations

Members / branch
4,653
51th percentile
Assets / member
$18,672
69th percentile
Field of membership penetration
0.95%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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