State credit union · Roswell, New Mexico · NCUA charter #66143
Chaves County School Employees
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $37.4M
- Total assets
- 2,416
- Members
- 20.5%
- Net-worth ratio
Chaves County School Employees scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.4M; members 2,416; net-worth ratio 20.55%; health rank #1,381 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,381 of 4,374 health · 2025Q4Chaves County School · health 88/100 · $37.4M · 2025Q4
- CHARTER 88/100
- NCUSIF 20.5%
- CAMELS 0.00%
- HEALTH 2.01%
- NW $37.4M
- DELQ 2,416
- ROA #1,381/4,374
- ASSETS Illinois Valley
- MEM 66143
Call Report peers
Chaves County School Employees in the assets neighbourhood
Chaves County School Employees's $37.4M assets sit next to Illinois Valley ($37.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Chaves County School Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Chaves County School Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66143, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Chaves County School Employees
- Net Worth Ratio leads the peer set - 20.55% here, 14.86% peer average (+5.69 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -21.51 pp (38.29% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Chaves County School Employees: in-state Call Report ranks
- In New Mexico, health place is #19 of 37 on the same NCUA-ratio sort used nationally.
- New Mexico assets place: #24 of 37.
- Member book place in New Mexico: #24 of 37.
In-state ordinals use the live credit_unions table for NM only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Chaves County School Employees
Chaves County School Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.0% from $37.4M (2025Q4) to $39.6M (2026Q1).
- Net-worth ratio shifted -0.67 pp (21.22% → 20.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 20.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 9.4 pts
Chaves County School Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.55% | +5.69 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 2.01% | +1.30 pp |
| Member Growth | -0.21% | - |
| Loan-to-Share Ratio | 38.29% | -21.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.6M | - |
| 2025Q4 | $37.4M | 2,416 |
| 2024Q4 | $36.0M | 2,421 |
| 2023Q4 | $36.0M | 2,436 |
Credit Union Details
- Charter Number
- 66143
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New Mexico
- City
- Roswell
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Chaves County School Employees runs one office.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Roswell, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
A look at other New Mexico credit unions, ranked by how closely their peer group and asset size match this one.
- LOS ALAMOS SCHOOLSLos Alamos, NM · $10M–$50M94Health
- QUESTAQuesta, NM · $10M–$50M76Health
- NORTHERN NEW MEXICO SCHOOL EMPLOYEESANTA FE, NM · $10M–$50M84Health
- EVERYONE'STucumcari, NM · $10M–$50M95Health
- JEMEZ VALLEYJEMEZ SPRINGS, NM · $10M–$50M55Health
Compare Chaves County School Employees vs LOS ALAMOS SCHOOLS
Cross-state Call Report peers for Chaves County School
Chaves County School Employees's nationwide photo peers by assets and by health score, excluding New Mexico charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($37.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Chaves County School Employees ranks #1,381 of 4,374 nationally on financial health and #19 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Los Alamos Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Los Alamos Schools
- Rates and health both vary by institution, not just by state -- see how New Mexico credit unions compare overall before assuming this one is typical. New Mexico state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Chaves County School Employees financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Chaves County School Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,381 of 4,374; by total assets it ranks #2,666 of 4,374 nationally (same basis as /rankings/largest); and #24 of 37 within New Mexico. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.55% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Chaves County School Employees compare to other credit unions?
PlainCU's health composite puts Chaves County School Employees at 88/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Chaves County School Employees?
Membership eligibility for Chaves County School Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Chaves County School Employees directly for current membership requirements and application steps.
Is my money safe at Chaves County School Employees?
Federal credit unions like Chaves County School Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Chaves County School Employees's net worth ratio of 20.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Chaves County School Employees offer compared to banks?
Credit unions like Chaves County School Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Chaves County School Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.