State credit union · CUBA, New Mexico · NCUA charter #66097
CUBA
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $23.7M
- Total assets
- 1,430
- Members
- 18.0%
- Net-worth ratio
CUBA scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.7M; members 1,430; net-worth ratio 18.03%; health rank #2,821 of 4,374; healthier than 33rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,821 of 4,374 health · 2025Q4CUBA · health 79/100 · $23.7M · 2025Q4
Call Report peers
CUBA in the assets neighbourhood
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CUBA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CUBA sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
Where CUBA diverges from peer averages
- Net Worth Ratio leads the peer set - 18.03% here, 14.86% peer average (+3.17 pp).
- Loan-to-Share Ratio trails the peer set - 34.32% here, 59.80% peer average (-25.48 pp).
CUBA: in-state Call Report ranks
- In New Mexico, health place is #27 of 37 on the same NCUA-ratio sort used nationally.
- Assets rank #28 of 37 inside New Mexico ($23.7M reported).
- Member book place in New Mexico: #30 of 37.
- One place up in New Mexico, Four Corners (#26) ties at 79/100; one place down, QUESTA (#28) scores 76/100, 3 points lower.
CUBA: 2025Q4 → 2026Q1
CUBA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $23.7M (2025Q4) to $23.6M (2026Q1).
- Net-worth ratio shifted +0.25 pp (17.78% → 18.03%).
18.03% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
CUBA gives up 21 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.0 pts
CUBA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.03% | +3.17 pp |
| Delinquency Rate | 0.15% | -0.99 pp |
| Return on Assets | 1.48% | +0.78 pp |
| Member Growth | -5.49% | - |
| Loan-to-Share Ratio | 34.32% | -25.48 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.6M | - |
| 2025Q4 | $23.7M | 1,430 |
| 2024Q4 | $22.3M | 1,513 |
| 2023Q4 | $21.6M | 1,586 |
Credit Union Details
- Charter Number
- 66097
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New Mexico
- City
- CUBA
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, CUBA runs one office.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | CUBA, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
More federally-insured credit unions based in New Mexico, ordered by peer group match and asset size.
Other-state peers near CUBA
Similar total assets
Using this data
- CUBA ranks #2,821 of 4,374 nationally on financial health and #27 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jemez Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jemez Valley
Frequently Asked Questions
Is CUBA financially healthy?
On its 2025Q4 NCUA 5300 filing, CUBA scores 79/100 (Very Good), with a 18.03% net worth ratio and 0.15% of loans delinquent. It ranks #2,821 of 4,374 nationally on health and #27 of 37 in New Mexico.
How does CUBA compare to other credit unions?
CUBA scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.03% vs 14.86%). Its widest shortfall is loan-to-share ratio (34.32% vs 59.80%).
How can I join CUBA?
Membership eligibility for CUBA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CUBA directly for current membership requirements and application steps.
Is my money safe at CUBA?
CUBA is a state-chartered credit union; its shares are federally 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. CUBA's net worth ratio of 18.03% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.