Eddy Federal Credit Union
Total assets
$62.1M
▲ +6.8% YoY
Shares & deposits
$50.1M
▲ +7.0% YoY
Loans
$42.8M
▲ +2.5% YoY
Members
4,950
▲ +3.6% YoY
ROA (annualized)
0.70%
peers 0.60%
ROE (annualized)
3.86%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +7.0% | +0.7% | +6.4 pts |
| Loan growth (YoY) | +2.5% | -2.4% | +4.9 pts |
| ROA | 0.70% | 0.60% | +0.1 pts |
| ROE | 3.9% | 4.1% | -0.2 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 901 W Pierce St., Carlsbad, NM, 88220
- NCUA charter #
- 9566
- RSSD ID
- 948380
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.1M | $50.1M | $42.8M | $11.2M | $109K | 0.70% | 4.58% | 0.05% | 4,950 |
| Q4 2025 | $60.6M | $48.7M | $42.0M | $11.1M | $575K | 0.95% | 4.73% | 0.43% | 4,917 |
| Q3 2025 | $59.6M | $47.9M | $42.7M | $11.1M | $466K | 1.04% | 4.80% | 0.09% | 4,920 |
| Q2 2025 | $60.3M | $48.7M | $42.8M | $10.9M | $312K | 1.03% | 4.70% | 0.00% | 4,838 |
| Q1 2025 | $58.1M | $46.8M | $41.8M | $10.7M | $127K | 0.87% | 4.77% | 0.01% | 4,779 |
| Q4 2024 | $57.6M | $46.2M | $39.9M | $10.6M | $379K | 0.66% | 4.58% | 0.34% | 4,714 |
| Q3 2024 | $56.4M | $45.0M | $40.1M | $10.7M | $379K | 0.90% | 4.61% | 0.16% | 4,955 |
| Q2 2024 | $57.2M | $45.7M | $40.2M | $10.5M | $223K | 0.78% | 4.39% | 0.08% | 4,908 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $36.3M · securities $8.6M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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