Zia Credit Union
Total assets
$273.6M
▲ +10.6% YoY
Shares & deposits
$242.1M
▲ +5.8% YoY
Loans
$207.9M
▲ +16.7% YoY
Members
14,198
▲ +7.6% YoY
ROA (annualized)
0.61%
peers 0.69%
ROE (annualized)
5.32%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Zia Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +3.9% | +6.7 pts |
| Share growth (YoY) | +5.8% | +3.3% | +2.5 pts |
| Loan growth (YoY) | +16.7% | +2.9% | +13.8 pts |
| ROA | 0.61% | 0.69% | -0.1 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- P.O. Box 490, Los Alamos, NM, 87544
- NCUA charter #
- 60467
- RSSD ID
- 483591
- 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 | $273.6M | $242.1M | $207.9M | $31.6M | $420K | 0.61% | 3.78% | 0.41% | 14,198 |
| Q4 2025 | $260.6M | $239.8M | $205.0M | $21.2M | $2.0M | 0.77% | 3.77% | 0.39% | 13,959 |
| Q3 2025 | $255.1M | $234.7M | $200.4M | $20.7M | $1.5M | 0.80% | 3.77% | 0.49% | 13,789 |
| Q2 2025 | $253.2M | $233.9M | $188.1M | $20.2M | $1.0M | 0.82% | 3.69% | 0.45% | 13,523 |
| Q1 2025 | $247.3M | $228.9M | $178.2M | $19.5M | $307K | 0.50% | 3.65% | 0.35% | 13,200 |
| Q4 2024 | $237.4M | $220.1M | $174.8M | $19.2M | $1.3M | 0.53% | 3.50% | 0.51% | 12,996 |
| Q3 2024 | $231.6M | $214.3M | $173.4M | $18.8M | $905K | 0.52% | 3.51% | 0.50% | 12,871 |
| Q2 2024 | $229.3M | $213.6M | $165.5M | $18.3M | $437K | 0.38% | 3.40% | 0.33% | 12,744 |
Loan mix (Q1 2026): real estate $44.7M · commercial $0 · consumer $136.9M · securities $22.6M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Zia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.69% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.62% | 62th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 78.7% | 69th | |
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 | Zia Credit Union | 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 | Zia Credit Union | 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 | Zia Credit Union | 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 | Zia Credit Union | 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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