Los Alamos Schools Credit Union
Total assets
$32.2M
▼ -2.8% YoY
Shares & deposits
$28.4M
▼ -3.8% YoY
Loans
$19.8M
▼ -3.6% YoY
Members
2,221
▲ +1.6% YoY
ROA (annualized)
0.92%
peers 0.60%
ROE (annualized)
7.95%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +1.3% | -4.1 pts |
| Share growth (YoY) | -3.8% | +0.7% | -4.5 pts |
| Loan growth (YoY) | -3.6% | -2.4% | -1.2 pts |
| ROA | 0.92% | 0.60% | +0.3 pts |
| ROE | 7.9% | 4.1% | +3.8 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- P.O. Box 887, Los Alamos, NM, 87544
- NCUA charter #
- 61165
- RSSD ID
- 154097
- 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 | $32.2M | $28.4M | $19.8M | $3.7M | $74K | 0.92% | 3.94% | 0.37% | 2,221 |
| Q4 2025 | $32.8M | $29.0M | $20.1M | $3.7M | $235K | 0.72% | 3.81% | 0.62% | 2,226 |
| Q3 2025 | $32.7M | $28.9M | $20.8M | $3.7M | $176K | 0.72% | 3.76% | 0.23% | 2,210 |
| Q2 2025 | $33.4M | $29.6M | $20.8M | $3.6M | $100K | 0.60% | 3.45% | 0.42% | 2,246 |
| Q1 2025 | $33.1M | $29.5M | $20.6M | $3.6M | $68K | 0.83% | 3.33% | 0.20% | 2,187 |
| Q4 2024 | $33.0M | $29.5M | $20.6M | $3.5M | $259K | 0.78% | 3.53% | 0.67% | 2,209 |
| Q3 2024 | $32.5M | $29.1M | $20.9M | $3.4M | $166K | 0.68% | 3.53% | 0.33% | 2,167 |
| Q2 2024 | $32.0M | $28.6M | $21.5M | $3.4M | $113K | 0.71% | 3.48% | 0.66% | 2,155 |
Loan mix (Q1 2026): real estate $8.7M · commercial $0 · consumer $9.0M · securities $4.3M
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 | 0.92% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.83% | 56th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.6% | 81.5% | 45th | |
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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