Eddy

CARLSBAD, NM · 1 · Charter #9566 · www.eddyfederalcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$60.6M
12th percentile
Members
4,917
24th percentile
Total loans
$42.0M
31th percentile
Total shares
$42.2M
2th percentile

Profitability

Return on assets
1.52%
78th percentile
Net interest margin
4.73%
92th percentile
Efficiency ratio
66.95%
36th percentile
Non-interest income ratio
19.97%
64th percentile

Capital & Risk

Net worth ratio
18.38%
90th percentile
Delinquency rate
0.43%
70th percentile
Net charge-off rate
0.08%
86th percentile
Loan-to-share
99.39%
95th percentile

Growth

Member growth YoY
4.31%
91th percentile
Asset growth YoY
5.08%
61th percentile
Loan growth YoY
5.09%
72th percentile
Share growth YoY
0.86%
29th percentile

Operations

Members / branch
2,459
34th percentile
Assets / member
$12,317
32th percentile
Field of membership penetration
19.67%
70th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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