Estacado Federal Credit Union
Total assets
$119.3M
▲ +6.9% YoY
Shares & deposits
$102.1M
▲ +5.7% YoY
Loans
$72.0M
▲ +9.1% YoY
Members
8,844
▲ +4.2% YoY
ROA (annualized)
1.75%
peers 0.69%
ROE (annualized)
12.81%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.9% | +2.9 pts |
| Share growth (YoY) | +5.7% | +3.3% | +2.4 pts |
| Loan growth (YoY) | +9.1% | +2.9% | +6.2 pts |
| ROA | 1.75% | 0.69% | +1.1 pts |
| ROE | 12.8% | 5.9% | +6.9 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 2220 N Dal Paso, Hobbs, NM, 88240
- NCUA charter #
- 8299
- RSSD ID
- 430081
- 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 | $119.3M | $102.1M | $72.0M | $16.3M | $523K | 1.75% | 4.62% | 0.36% | 8,844 |
| Q4 2025 | $113.7M | $97.0M | $70.4M | $15.8M | $2.0M | 1.72% | 4.74% | 0.60% | 8,709 |
| Q3 2025 | $114.6M | $98.5M | $67.7M | $15.3M | $1.4M | 1.68% | 4.65% | 0.44% | 8,644 |
| Q2 2025 | $113.4M | $97.9M | $67.4M | $14.8M | $981K | 1.73% | 4.53% | 0.58% | 8,598 |
| Q1 2025 | $111.6M | $96.5M | $66.0M | $14.3M | $463K | 1.66% | 4.49% | 0.65% | 8,490 |
| Q4 2024 | $107.2M | $92.6M | $64.5M | $13.8M | $1.6M | 1.53% | 4.29% | 0.48% | 8,419 |
| Q3 2024 | $104.5M | $90.6M | $63.3M | $13.3M | $1.1M | 1.45% | 4.33% | 0.50% | 8,380 |
| Q2 2024 | $104.5M | $90.6M | $62.7M | $12.8M | $606K | 1.16% | 4.13% | 0.48% | 8,308 |
Loan mix (Q1 2026): real estate $1.8M · commercial $0 · consumer $64.5M · securities $33.1M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 0.69% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.62% | 93th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 78.7% | 17th | |
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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