State credit union · Los Alamos, New Mexico · NCUA charter #64759
Del Norte
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $1.42B
- Total assets
- 67,384
- Members
- 9.5%
- Net-worth ratio
Del Norte scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.42B; members 67,384; net-worth ratio 9.50%; health rank #291 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#291 of 4,374 health · 2025Q4Del Norte · health 96/100 · $1.42B · 2025Q4
- BOOK 96/100
- CHARTER 9.5%
- NCUSIF 0.69%
- CAMELS 0.84%
- HEALTH $1.42B
- NW 67,384
- DELQ #291/4,374
- ROA S. C. State
- ASSETS 64759
Call Report peers
Del Norte in the assets neighbourhood
Del Norte's $1.42B assets sit next to S. C. State ($1.42B) 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.
Del Norte 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
96 Top 7% higher than 93% 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
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: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Return on Assets: +0.33 pp (0.84% vs 0.51%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.57 pp (76.33% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Del Norte: in-state Call Report ranks
- Health composite ranks #7 of 37 among scored New Mexico credit unions.
- Assets rank #4 of 37 inside New Mexico ($1.42B reported).
- Membership ranks #6 of 37 among New Mexico CUs with a reported count (67,384 members).
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 Del Norte
Del Norte: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $1.42B (2025Q4) to $1.47B (2026Q1).
- Net-worth ratio shifted -0.14 pp (9.64% → 9.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 14.4 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.50% | -1.68 pp |
| Delinquency Rate | 0.69% | -0.19 pp |
| Return on Assets | 0.84% | +0.33 pp |
| Member Growth | 4.52% | - |
| Loan-to-Share Ratio | 76.33% | -7.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Del Norte
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.47B | - |
| 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
Branch Locations (10)
Del Norte operates 10 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Administration (Main Office) | Santa Fe, NM |
| Paseo Office | Espanola, NM |
| Riverside Financial Center | Espanola, NM |
| Trinity Office | Los Alamos, NM |
| Enchanted Hills Office | Rio Rancho, NM |
| Southern Financial Center | Rio Rancho, NM |
| Cerrillos Office | Santa Fe, NM |
| DeVargas Office | Santa Fe, NM |
| Midtown Financial Center | Santa Fe, NM |
| White Rock Office | White Rock, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
Other federally-insured credit unions in New Mexico, closest first by peer group and asset size.
Other-state peers near Del Norte
Two NCUA Call Report peer sets for Del Norte, 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 ($1.42B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Del Norte ranks #291 of 4,374 nationally on financial health and #7 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U.S. Eagle is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U.S. Eagle
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #291 of 4,374; by total assets it ranks #348 of 4,374 nationally (same basis as /rankings/largest); and #4 of 37 within New Mexico. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.50% 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 9.50% 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.
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.