Nusenda Federal Credit Union
Total assets
$4.97B
▲ +5.5% YoY
Shares & deposits
$4.39B
▲ +5.6% YoY
Loans
$3.43B
▲ +2.5% YoY
Members
295,895
▲ +4.4% YoY
ROA (annualized)
0.36%
peers 0.71%
ROE (annualized)
4.11%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.1% | +0.4 pts |
| Share growth (YoY) | +5.6% | +4.9% | +0.7 pts |
| Loan growth (YoY) | +2.5% | +5.4% | -3.0 pts |
| ROA | 0.36% | 0.71% | -0.3 pts |
| ROE | 4.1% | 6.3% | -2.2 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 8530, Albuquerque, NM, 87198
- NCUA charter #
- 948
- RSSD ID
- 763976
- 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 | $4.97B | $4.39B | $3.43B | $438.6M | $4.5M | 0.36% | 3.75% | 0.79% | 295,895 |
| Q4 2025 | $4.89B | $4.26B | $3.41B | $434.1M | $21.3M | 0.44% | 3.44% | 0.99% | 291,818 |
| Q3 2025 | $4.83B | $4.21B | $3.38B | $436.0M | $20.1M | 0.55% | 3.52% | 0.61% | 288,896 |
| Q2 2025 | $4.79B | $4.14B | $3.38B | $428.9M | $13.0M | 0.54% | 3.47% | 0.87% | 285,768 |
| Q1 2025 | $4.71B | $4.16B | $3.35B | $419.4M | $3.5M | 0.30% | 3.41% | 0.63% | 283,446 |
| Q4 2024 | $4.68B | $4.03B | $3.31B | $415.9M | $28.1M | 0.60% | 2.90% | 0.63% | 279,528 |
| Q3 2024 | $4.93B | $3.96B | $3.26B | $420.6M | $29.5M | 0.80% | 2.78% | 0.65% | 277,205 |
| Q2 2024 | $4.96B | $3.93B | $3.22B | $410.6M | $19.5M | 0.79% | 2.68% | 0.75% | 275,330 |
Loan mix (Q1 2026): real estate $769.1M · commercial $1.24B · consumer $1.41B · securities $1.09B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.71% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 6.3% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.32% | 78th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 73.0% | 80th | |
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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