High Desert Community

Aztec, NM · 2 · Charter #66185 · www.highdesertcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$17.2M
58th percentile
Members
1,923
64th percentile
Total loans
$8.2M
58th percentile
Total shares
$14.8M
58th percentile

Profitability

Return on assets
0.63%
42th percentile
Net interest margin
3.64%
37th percentile
Efficiency ratio
63.93%
56th percentile
Non-interest income ratio
10.57%
55th percentile

Capital & Risk

Net worth ratio
13.26%
39th percentile
Delinquency rate
0.81%
47th percentile
Net charge-off rate
0.21%
50th percentile
Loan-to-share
55.13%
43th percentile

Growth

Member growth YoY
-5.27%
16th percentile
Asset growth YoY
2.72%
60th percentile
Loan growth YoY
-10.54%
23th percentile
Share growth YoY
2.83%
63th percentile

Operations

Members / branch
1,923
76th percentile
Assets / member
$8,932
47th percentile
Field of membership penetration
54.94%
72th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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