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
- CAMELS 79/100
- HEALTH 18.0%
- NW 0.15%
- DELQ 1.48%
- ROA $23.7M
- ASSETS 1,430
- MEM #2,821/4,374
- RANK Hancock School Emp.
- PHOTO 66097
Call Report peers
CUBA in the assets neighbourhood
CUBA's $23.7M assets sit next to Hancock School Emp. ($23.6M) 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.
CUBA 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
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
CUBA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66097, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NM only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CUBA: 2025Q4 → 2026Q1
CUBA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $23.7M (2025Q4) to $23.6M (2026Q1).
- Net-worth ratio shifted +0.25 pp (17.78% → 18.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
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 | $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
Two NCUA Call Report peer sets for CUBA, both outside New Mexico so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- 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 CUBA financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - CUBA'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 #2,821 of 4,374; by total assets it ranks #3,032 of 4,374 nationally (same basis as /rankings/largest); and #28 of 37 within New Mexico. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.03% net worth ratio and 0.15% delinquency rate are the key drivers.
How does CUBA compare to other credit unions?
79/100 is CUBA's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like CUBA 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. CUBA's net worth ratio of 18.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CUBA offer compared to banks?
Credit unions like CUBA 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 CUBA 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.