CHAVES COUNTY SCHOOL EMPLOYEES
Charter #66143 | NM
<100M
(2596 CUs)
Micro
($0-$500M)
22 <100M in NM
CHAVES COUNTY SCHOOL EMPLOYEES demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.75% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,419
-0.5% YoY+0.2% QoQ
|
-206 |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
59th in tier |
| Assets |
$37.1M
+2.1% YoY-1.1% QoQ
|
+$7.3M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
67th in tier |
| Loans |
$11.0M
-1.9% YoY-0.4% QoQ
|
$-4.8M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
54th in tier |
| Deposits |
$29.3M
-0.4% YoY-2.3% QoQ
|
+$3.9M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
64th in tier |
| ROA |
2.4%
+27.7% YoY+6.4% QoQ
|
+1.8% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Top 4.1% in tier |
| NIM |
3.5%
+10.6% YoY+3.3% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
35th in tier |
| Efficiency Ratio |
43.8%
-10.8% YoY-2.9% QoQ
|
-37.5% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
0.0%
+686.1% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.8% in tier |
| Loan To Share |
37.5%
-1.5% YoY+1.9% QoQ
|
-23.8% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 16.4% in tier |
| AMR |
$16,662
-0.3% YoY-2.0% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
66th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
86
Efficiency Ratio
profitability
Value:
43.84%
Peer Avg: 81.39%
#86 of 2596
Top 3.3% in <100M tier
107
Return on Assets (ROA)
profitability
Value:
2.44%
Peer Avg: 0.68%
#107 of 2596
Top 4.1% in <100M tier
359
Total Delinquency Rate (60+ days)
risk
Value:
0.02%
Peer Avg: 1.51%
#359 of 2596
Top 13.8% in <100M tier
432
Members Per Employee (MPE)
engagement
Value:
483.800
Peer Avg: 365.701
#432 of 2596
Top 16.6% in <100M tier
515
Net Worth Ratio
risk
Value:
20.83%
Peer Avg: 16.43%
#515 of 2596
Top 19.8% in <100M tier
549
Fee Income Per Member
profitability
Value:
$127.05
Peer Avg: $182.96
#549 of 2596
Top 21.1% in <100M tier
Top Weaknesses (1 metrics)
2166
Loan-to-Share Ratio
balance_sheet
Value:
37.48%
Peer Avg: 61.23%
#2166 of 2596
Bottom 16.6% in <100M tier