Credit Union Index - Moss Adams
Credit Union Index
An Analysis of New Mexico Credit Unions
Credit Union Index | DEFINITIONS
The Credit Union Index is published by the New Mexico office of Moss Adams LLP. For more information on the data presented in this report, consult Rebecca Radell, Senior Manager, at (209) 955-6136.
NEW MEXICO
Albuquerque 6565 Americas Parkway NE Suite 600 Albuquerque, NM 87110 (505) 878-7200
Asset Size Definition: GROUP A $0?$250 million GROUP B $251?$500 million GROUP C $501 million?$1 billion GROUP D Over $1 billion
New Mexico
Performance Analysis
Performance Analysis
Region Institution Name
Asset Group A - $50 to $250 million in total assets
Colfax School Employees Credit Union Mt. Taylor Federal Credit Union Rincones Presbyterian Credit Union Fort Bayard Federal Credit Union Deming Schools Employees Credit Union Quay Schools Federal Credit Union U-1st Community Federal Credit Union Telco Roswell New Mexico Federal Credit Union Questa Credit Union Florist Federal Credit Union Internationalites Federal Credit Union High Desert Community Credit Union Cuba Credit Union Los Alamos Schools Credit Union Northern New Mexico School Employee Federal Credit Union Jemez Valley Credit Union Chaves County School Employees Credit Union Roswell Community Federal Credit Union Four Corners Federal Credit Union Belen Railway Employees Credit Union Everyone's Federal Credit Union Financial Security Credit Union LOCO Credit Union Eddy Federal Credit Union Estacado Federal Credit Union Southwest Federal Credit Union Cannon Federal Credit Union Artesia Credit Union Animas Credit Union ZIA Credit Union Guadalupe Credit Union
Average of Asset Group A
Asset Group B - $251 to $500 million in total assets
White Sands Federal Credit Union Otero Federal Credit Union Rio Grande Credit Union State Employees Credit Union
Average of Asset Group B
Asset Group C - $501 million to $1 billion in total assets
First Financial Credit Union Del Norte Credit Union Sandia Area Federal Credit Union Kirtland Federal Credit Union U.S. Eagle Federal Credit Union
Average of Asset Group C
Asset Group D - $1 billion and over in total assets
Nusenda Federal Credit Union Sandia Laboratory Federal Credit Union
Average of Asset Group D
As of Date
Total Assets ($000)
March 31, 2017
Net Income (Loss) ($000)
Quarter to Date
Return on Avg
Return on
Oper Exp/ Oper Salary&Benefits/
Assets (%) Avg Net Worth (%)
Rev (%)
Employees ($000)
Run Date: May 19, 2017
Year to Date
Net Income (Loss) Return on Avg
Return on
Oper Exp/ Oper Salary&Benefits/
($000)
Assets (%) Avg Net Worth (%)
Rev (%)
Employees ($000)
$297 $2,206 $4,115 $4,481 $4,776 $6,166 $7,577 $7,614 $8,157 $9,430 $11,351 $12,216 $14,772 $18,202
($1)
(1.36%)
(8.00%)
125.00%
$16
$0
0.00%
0.00%
100.00%
$24
$5
0.50%
4.78%
86.36%
$26
($1)
(0.09%)
(0.43%)
71.59%
$47
$22
1.84%
9.93%
59.26%
$42
$5
0.32%
1.77%
82.00%
$46
$16
0.84%
6.41%
73.33%
$37
($3)
(0.16%)
(0.70%)
88.16%
$47
$35
1.76%
6.89%
66.99%
$35
($6)
(0.27%)
(2.00%)
103.57%
$53
$0
0.00%
0.00%
96.84%
$57
$63
2.11%
20.13%
52.99%
$42
$13
0.35%
2.46%
85.71%
$42
$33
0.73%
5.96%
78.57%
$69
($1)
(1.36%)
(8.00%)
125.00%
$16
$0
0.00%
0.00%
100.00%
$24
$5
0.50%
4.78%
86.36%
$26
($1)
(0.09%)
(0.43%)
71.59%
$47
$22
1.84%
9.93%
59.26%
$42
$5
0.32%
1.77%
82.00%
$46
$16
0.84%
6.41%
73.33%
$37
($3)
(0.16%)
(0.70%)
88.16%
$47
$35
1.76%
6.89%
66.99%
$35
($6)
(0.27%)
(2.00%)
103.57%
$53
$0
0.00%
0.00%
96.84%
$57
$63
2.11%
20.13%
52.99%
$42
$13
0.35%
2.46%
85.71%
$42
$33
0.73%
5.96%
78.57%
$69
$21,169
$20
0.38%
4.25%
88.65%
$68
$20
0.38%
4.25%
88.65%
$68
$21,588
$17
0.32%
2.21%
93.09%
$45
$17
0.32%
2.21%
93.09%
$45
$24,558
$14
0.23%
1.30%
92.12%
$55
$14
0.23%
1.30%
92.12%
$55
$27,030
$57
0.85%
7.29%
81.02%
$81
$57
0.85%
7.29%
81.02%
$81
$27,852
$5
0.08%
0.56%
98.46%
$48
$5
0.08%
0.56%
98.46%
$48
$29,481
$85
1.18%
8.79%
69.52%
$58
$85
1.18%
8.79%
69.52%
$58
$31,064
$20
0.27%
1.80%
94.22%
$46
$20
0.27%
1.80%
94.22%
$46
$43,719
$32
0.30%
2.43%
87.27%
$60
$32
0.30%
2.43%
87.27%
$60
$47,153
$152
1.31%
10.39%
63.13%
$79
$152
1.31%
10.39%
63.13%
$79
$54,797
($16)
(0.12%)
(0.93%)
90.65%
$64
($16)
(0.12%)
(0.93%)
90.65%
$64
$58,525
($9)
(0.06%)
(0.56%)
87.86%
$64
($9)
(0.06%)
(0.56%)
87.86%
$64
$62,476
$0
0.00%
0.00%
98.53%
$57
$0
0.00%
0.00%
98.53%
$57
$65,393
($179)
(1.11%)
(15.02%)
74.43%
$38
($179)
(1.11%)
(15.02%)
74.43%
$38
$96,882
$300
1.22%
9.33%
59.40%
$70
$300
1.22%
9.33%
59.40%
$70
$132,387
$80
0.25%
2.90%
90.94%
$56
$80
0.25%
2.90%
90.94%
$56
$139,408
$192
0.56%
6.09%
89.31%
$65
$192
0.56%
6.09%
89.31%
$65
$161,165
$2,084
5.32%
52.72%
47.05%
$62
$2,084
5.32%
52.72%
47.05%
$62
$37,291
$98
0.57%
4.54%
83.10%
$52
$98
0.57%
4.54%
83.10%
$52
$304,343
$266
0.35%
4.22%
79.80%
$46
$266
0.35%
4.22%
79.80%
$46
$306,977
$504
0.67%
4.84%
78.02%
$51
$504
0.67%
4.84%
78.02%
$51
$313,519
$626
0.82%
5.94%
67.82%
$53
$626
0.82%
5.94%
67.82%
$53
$496,806
$1,281
1.06%
9.84%
72.14%
$76
$1,281
1.06%
9.84%
72.14%
$76
$355,411
$669
0.73%
6.21%
74.45%
$57
$669
0.73%
6.21%
74.45%
$57
$528,597
$284
0.22%
2.86%
82.62%
$62
$284
0.22%
2.86%
82.62%
$62
$576,453
$605
0.43%
3.79%
77.24%
$69
$605
0.43%
3.79%
77.24%
$69
$641,655
$1,308
0.83%
7.86%
69.22%
$44
$1,308
0.83%
7.86%
69.22%
$44
$783,550
$1,116
0.58%
4.44%
72.42%
$76
$1,116
0.58%
4.44%
72.42%
$76
$980,313
$520
0.22%
2.21%
70.20%
$68
$520
0.22%
2.21%
70.20%
$68
$702,114
$767
0.46%
4.23%
74.34%
$64
$767
0.46%
4.23%
74.34%
$64
$1,971,761
$5,284
1.10%
11.08%
68.71%
$73
$5,284
1.10%
11.08%
68.71%
$73
$2,413,550
$4,952
0.83%
8.58%
66.23%
$84
$4,952
0.83%
8.58%
66.23%
$84
$2,192,656
$5,118
0.97%
9.83%
67.47%
$79
$5,118
0.97%
9.83%
67.47%
$79
Source: SNL Financial NA = data was not available. NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful.
Performance Data Page 3 of 10
Balance Sheet & Net Interest Margin
Balance Sheet & Net Interest Margin
Region Institution Name
Asset Group A - $50 to $250 million in total assets
Colfax School Employees Credit Union Mt. Taylor Federal Credit Union Rincones Presbyterian Credit Union Fort Bayard Federal Credit Union Deming Schools Employees Credit Union Quay Schools Federal Credit Union U-1st Community Federal Credit Union Telco Roswell New Mexico Federal Credit Union Questa Credit Union Florist Federal Credit Union Internationalites Federal Credit Union High Desert Community Credit Union Cuba Credit Union Los Alamos Schools Credit Union Northern New Mexico School Employee Federal Credit Union Jemez Valley Credit Union Chaves County School Employees Credit Union Roswell Community Federal Credit Union Four Corners Federal Credit Union Belen Railway Employees Credit Union Everyone's Federal Credit Union Financial Security Credit Union LOCO Credit Union Eddy Federal Credit Union Estacado Federal Credit Union Southwest Federal Credit Union Cannon Federal Credit Union Artesia Credit Union Animas Credit Union ZIA Credit Union Guadalupe Credit Union
Average of Asset Group A
Asset Group B - $251 to $500 million in total assets
White Sands Federal Credit Union Otero Federal Credit Union Rio Grande Credit Union State Employees Credit Union
Average of Asset Group B
Asset Group C - $501 million to $1 billion in total assets
First Financial Credit Union Del Norte Credit Union Sandia Area Federal Credit Union Kirtland Federal Credit Union U.S. Eagle Federal Credit Union
Average of Asset Group C
Asset Group D - $1 billion and over in total assets
Nusenda Federal Credit Union Sandia Laboratory Federal Credit Union
Average of Asset Group D
March 31, 2017
As of Date
Total Lns & Leases Total Shares & Total Loans/
Assets/ FTE
Total Assets ($000)
($000)
Deposits ($000) Total Shares (%) Employees ($000)
$297 $2,206 $4,115 $4,481 $4,776 $6,166 $7,577 $7,614 $8,157 $9,430 $11,351 $12,216 $14,772 $18,202
$21,169 $21,588 $24,558 $27,030 $27,852 $29,481 $31,064 $43,719 $47,153 $54,797 $58,525 $62,476 $65,393 $96,882 $132,387 $139,408 $161,165
$37,291
$235 $612 $2,707 $3,113 $2,527 $4,427 $3,864 $4,953 $4,693 $4,762 $4,306 $10,493 $6,640 $10,055
$9,977 $12,428
$7,916 $14,831
$8,945 $17,788 $14,472 $25,962 $19,701 $24,774 $28,371 $31,014 $36,041 $53,182 $83,309 $96,631 $117,606
$21,495
$248 $1,845 $3,372 $3,527 $3,854 $4,985 $6,556 $5,889 $5,972 $8,211 $9,652 $10,933 $12,631 $15,944
$19,349 $18,443 $20,146 $23,750 $24,248 $25,533 $25,606 $38,234 $40,167 $47,605 $51,425 $57,390 $60,484 $83,596 $120,301 $126,303 $141,731
$32,836
94.76% 33.17% 80.28% 88.26% 65.57% 88.81% 58.94% 84.11% 78.58% 58.00% 44.61% 95.98% 52.57% 63.06%
51.56% 67.39% 39.29% 62.45% 36.89% 69.67% 56.52% 67.90% 49.05% 52.04% 55.17% 54.04% 59.59% 63.62% 69.25% 76.51% 82.98%
64.54%
$304,343 $306,977 $313,519 $496,806
$355,411
$194,125 $139,495 $225,304 $376,663
$233,897
$277,669 $262,161 $269,191 $435,538
$311,140
69.91% 53.21% 83.70% 86.48%
73.33%
$528,597 $576,453 $641,655 $783,550 $980,313
$702,114
$406,427 $376,810 $568,556 $485,412 $734,351
$514,311
$483,973 $503,634 $554,198 $626,718 $875,827
$608,870
83.98% 74.82% 102.59% 77.45% 83.85%
84.54%
$1,971,761 $2,413,550
$2,192,656
$1,573,651 $1,200,789
$1,387,220
$1,752,255 $2,161,694
$1,956,975
89.81% 55.55%
72.68%
$594 $2,206 $1,646 $1,494 $2,388 $1,542 $2,526 $2,175 $2,331 $2,358 $3,243 $3,054 $2,954 $4,551
$3,528 $2,272 $4,912 $4,505 $2,142 $3,931 $1,942 $2,572 $3,627 $3,653 $3,251 $2,777 $2,843 $5,872 $3,395 $2,655 $2,053
$2,871
$3,154 $3,231 $2,570 $3,764
$3,180
$2,344 $4,557 $4,221 $5,804 $4,189
$4,223
$4,191 $8,410
$6,301
Run Date: May 19, 2017
Yield on Avg Assets (%)
Year to Date
Interest Expense/ Net Interest Income/ Asset Growth
Avg Assets (%)
Avg Assets (%)
Rate (%)
Market Growth Rate (%)
5.44% 2.22% 4.04% 7.42% 5.09% 6.41% 3.64% 4.71% 4.52% 3.81% 2.63% 4.70% 3.71% 3.35%
3.53% 4.14% 2.04% 3.48% 3.33% 4.31% 3.15% 3.84% 5.21% 2.77% 4.00% 3.69% 4.03% 2.90% 2.89% 4.32% 5.11%
4.01%
3.07% 2.78% 4.41% 3.57%
3.46%
3.74% 2.99% 2.58% 3.27% 3.69%
3.25%
3.65% 2.65%
3.15%
0.00% 0.18% 0.61% 0.18% 0.58% 0.58% 0.11% 0.79% 0.25% 0.64% 0.29% 0.91% 0.95% 0.11%
0.11% 0.48% 0.07% 0.31% 1.37% 0.50% 0.35% 0.26% 0.52% 0.36% 0.24% 0.29% 0.31% 0.30% 0.20% 0.30% 0.36%
0.40%
0.33% 0.21% 0.59% 0.62%
0.44%
0.31% 0.18% 0.50% 0.62% 0.61%
0.44%
0.27% 0.54%
0.41%
5.44% 2.03% 3.53% 7.14% 4.51% 5.77% 3.53% 3.87% 4.22% 3.18% 2.38% 3.79% 2.73% 3.21%
3.41% 3.66% 1.98% 3.18% 1.96% 3.81% 2.80% 3.57% 4.68% 2.39% 3.76% 3.40% 3.72% 2.60% 2.69% 4.02% 4.74%
3.60%
9.66% 15.25% 31.57% 10.72% (2.41%) (9.07%) (1.32%)
6.57% 20.14% 60.00% 31.23% 20.48%
5.18% 7.09%
2.40% 1.86% 16.31% 8.29% 41.64% 21.11% 29.94% 25.97% 15.98% (2.39%) 13.63% 25.39% 7.95% (9.28%) 20.27% 13.98% 23.05%
14.88%
13.33% 18.37% 38.92% 12.76% (4.62%) (11.46%) (1.88%)
8.96% 16.02% 70.81% 37.09% 20.54%
5.78% 7.33%
2.18% 2.91% 20.23% 7.67% 48.41% 23.15% 35.70% 29.43% 12.93% (1.95%) 15.52% 27.84% 9.38% (6.41%) 21.90% 14.70% 17.33%
16.54%
2.73% 2.56% 3.83% 2.94%
3.02%
11.98% 12.87% 20.86% 26.71%
18.11%
12.60% 14.38% 24.49% 27.29%
19.69%
3.42% 2.81% 2.08% 2.65% 3.08%
2.81%
16.36% 21.86% 19.09%
7.92% 12.31%
15.51%
18.90% 23.88% 19.72% 10.45% 14.06%
17.40%
3.38% 2.11%
2.75%
22.33% 10.76%
16.55%
25.56% 10.70%
18.13%
Source: SNL Financial NA = data was not available. NM = per SNL Financial, the data was not provided as the ratios are too high/low to be meaningful.
BS & NIM Data Page 5 of 10
Asset Quality
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