State credit union · Los Alamos, New Mexico · NCUA charter #64759
Del Norte
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $1.42B
- Total assets
- 67,384
- Members
- 9.6%
- Net-worth ratio
Del Norte - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #64759. See our deposit-insurance coverage note.
Del Norte - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)93
- Earnings (ROA)100
- Member growth96
- Liquidity (loan-to-share)100
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.57% | 30% |
| Delinquency Rate | 0.69% | 25% |
| Return on Assets | 0.84% | 15% |
| Member Growth | 4.52% | 15% |
| Loan-to-Share Ratio | 76.33% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.42B | 67,384 |
| 2024Q4 | $1.30B | 64,470 |
| 2023Q4 | $1.07B | 61,179 |
Credit Union Details
- Charter Number
- 64759
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New Mexico
- City
- Los Alamos
- Data Quarter
- 2025Q4
What This Data Says About Del Norte
67,384 members and $1.42B in total assets sit behind Del Norte, a state credit union in Los Alamos, New Mexico, which posts a health score of 96/100 (Excellent) on the five-factor composite, with $971.8M in outstanding loans as of Q4 2025 and a net worth ratio of 9.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #64759 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.69% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 76.33% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.84% on net income of $11.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.52%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New Mexico
Other federally-insured credit unions in New Mexico, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Del Norte financially healthy?
Yes/no aside, the number is 96/100 (Excellent) - Del Norte's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.57% net worth ratio and 0.69% delinquency rate are the key drivers.
How does Del Norte compare to other credit unions?
Five weighted metrics from NCUA filings produce Del Norte's 96/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Del Norte?
Membership eligibility for Del Norte depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Del Norte directly for current membership requirements and application steps.
Is my money safe at Del Norte?
Federal credit unions like Del Norte 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. Del Norte's net worth ratio of 9.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Del Norte offer compared to banks?
Credit unions like Del Norte 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 Del Norte directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.