Jemez Valley Credit Union
Total assets
$28.3M
▼ -2.1% YoY
Shares & deposits
$24.8M
▼ -2.2% YoY
Loans
$10.7M
▼ -5.1% YoY
Members
1,822
▼ -2.6% YoY
ROA (annualized)
0.27%
peers 0.60%
ROE (annualized)
2.23%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +1.3% | -3.4 pts |
| Share growth (YoY) | -2.2% | +0.7% | -2.8 pts |
| Loan growth (YoY) | -5.1% | -2.4% | -2.7 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
Profile
- Established
- 1966
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 120, Jemez Springs, NM, 87025
- NCUA charter #
- 62637
- RSSD ID
- 733791
- 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 | $28.3M | $24.8M | $10.7M | $3.5M | $19K | 0.27% | 4.01% | 0.82% | 1,822 |
| Q4 2025 | $27.6M | $24.0M | $10.6M | $3.5M | $-66K | -0.24% | 3.81% | 3.54% | 1,836 |
| Q3 2025 | $27.3M | $23.7M | $10.5M | $3.5M | $-10K | -0.05% | 3.83% | 3.66% | 1,855 |
| Q2 2025 | $28.5M | $24.9M | $10.9M | $3.5M | $-36K | -0.25% | 3.58% | 1.63% | 1,864 |
| Q1 2025 | $28.9M | $25.4M | $11.3M | $3.5M | $7K | 0.10% | 3.44% | 1.28% | 1,871 |
| Q4 2024 | $28.2M | $24.7M | $11.5M | $3.5M | $17K | 0.06% | 3.69% | 4.97% | 1,879 |
| Q3 2024 | $28.7M | $24.8M | $11.8M | $3.7M | $42K | 0.19% | 3.67% | 4.08% | 1,894 |
| Q2 2024 | $29.8M | $25.8M | $11.7M | $3.8M | $43K | 0.29% | 3.49% | 3.68% | 1,894 |
Loan mix (Q1 2026): real estate $5.5M · commercial $143K · consumer $4.5M · securities $14.5M
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 | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.4% | 81.5% | 77th | |
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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