Raiz

EL PASO, TX · 1 · Charter #1409 · www.raiz.us
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.1B
5th percentile
Members
78,235
27th percentile
Total loans
$847.0M
13th percentile
Total shares
$800.0M
1th percentile

Profitability

Return on assets
0.49%
18th percentile
Net interest margin
3.57%
74th percentile
Efficiency ratio
67.06%
4th percentile
Non-interest income ratio
27.06%
92th percentile

Capital & Risk

Net worth ratio
9.81%
28th percentile
Delinquency rate
0.88%
37th percentile
Net charge-off rate
1.41%
4th percentile
Loan-to-share
105.87%
90th percentile

Growth

Member growth YoY
4.35%
70th percentile
Asset growth YoY
8.30%
71th percentile
Loan growth YoY
5.52%
53th percentile
Share growth YoY
10.28%
84th percentile

Operations

Members / branch
7,112
43th percentile
Assets / member
$13,811
13th percentile
Field of membership penetration
9.32%
65th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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