Otero

Alamogordo, NM · 1 · Charter #8475 · www.oterofcu.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
$519.7M
60th percentile
Members
33,773
62th percentile
Total loans
$249.4M
37th percentile
Total shares
$438.4M
60th percentile

Profitability

Return on assets
1.88%
93th percentile
Net interest margin
3.61%
61th percentile
Efficiency ratio
49.80%
82th percentile
Non-interest income ratio
19.15%
51th percentile

Capital & Risk

Net worth ratio
15.16%
91th percentile
Delinquency rate
0.42%
78th percentile
Net charge-off rate
0.59%
32th percentile
Loan-to-share
56.89%
9th percentile

Growth

Member growth YoY
-0.76%
35th percentile
Asset growth YoY
6.79%
64th percentile
Loan growth YoY
1.28%
35th percentile
Share growth YoY
5.41%
57th percentile

Operations

Members / branch
5,629
69th percentile
Assets / member
$15,389
44th percentile
Field of membership penetration
15.78%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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