Side-by-side · Q2 2026 data
Zia Credit Union vs Jemez Valley Credit Union
Credit union
Jemez Valley Credit Union
Jemez Springs, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Zia Credit Union | Jemez Valley Credit Union |
|---|---|---|
| TellerScore | 64 | 66 (stronger) |
| Capital cushion | 53 | 76 (stronger) |
| Loan quality | 84 (stronger) | 67 |
| Earnings | 38 (stronger) | 11 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 31st | 32nd |
| Total assets | $308.1M | $27.3M |
| Deposits / shares | $246.7M | $23.8M |
| Capital ratio | 10.35% | 12.64% (stronger) |
| Problem loans | 0.48% (stronger) | 1.00% |
| Net charge-offs | 0.35% | 0.06% (stronger) |
| Return on assets | 0.45% (stronger) | -0.21% |
| Loans ÷ deposits | 89.1% | 45.0% (stronger) |
| Uninsured deposits | 5.1% (stronger) | 9.9% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jemez Valley Credit Union has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Zia Credit Union leads on 3 and Jemez Valley Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.