State credit union · DEMING, New Mexico · NCUA charter #61559
Deming Schools Employees
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $5.5M
- Total assets
- 879
- Members
- 24.5%
- Net-worth ratio
Deming Schools Employees scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.5M; members 879; net-worth ratio 24.50%; health rank #1,180 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,180 of 4,374 health · 2025Q4Deming Schools Employees · health 89/100 · $5.5M · 2025Q4
- MEM 89/100
- RANK 24.5%
- PHOTO 0.99%
- BOOK 1.07%
- CHARTER $5.5M
- NCUSIF 879
- CAMELS #1,180/4,374
- HEALTH n/a
- NW 61559
Call Report peers
Deming Schools Employees carries $5.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Deming Schools 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
89 Top 31% higher than 69% 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
Deming Schools Employees - Share Insurance Coverage
Charter #61559's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Deming Schools Employees
- Net Worth Ratio leads the peer set - 24.50% here, 19.06% peer average (+5.44 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.19 pp (51.41% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Deming Schools Employees sits in New Mexico
- New Mexico health ordinal: #17 of 37.
- By total assets, Deming Schools Employees is #36 of 37 in New Mexico.
- Membership ranks #33 of 37 among New Mexico CUs with a reported count (879 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.
Deming Schools Employees Call Report trajectory
Deming Schools Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $5.5M (2025Q4) to $5.4M (2026Q1).
- Net-worth ratio shifted +0.65 pp (23.85% → 24.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 24.50% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 15.0 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 11.2 pts
Deming Schools Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.50% | +5.44 pp |
| Delinquency Rate | 0.99% | -0.82 pp |
| Return on Assets | 1.07% | +0.62 pp |
| Member Growth | 3.05% | - |
| Loan-to-Share Ratio | 51.41% | -12.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Deming Schools Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.4M | - |
| 2025Q4 | $5.5M | 879 |
| 2024Q4 | $5.7M | 853 |
| 2023Q4 | $5.6M | 824 |
Credit Union Details
- Charter Number
- 61559
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- New Mexico
- City
- DEMING
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Deming Schools Employees runs one office.
| Office | City |
|---|---|
| Deming Sch. Emp. CU (Main Office) | Deming, 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.
Cross-state Call Report peers for Deming Schools Employees
Deming Schools Employees's nationwide photo peers by assets and by health score, excluding New Mexico charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Deming Schools Employees ranks #1,180 of 4,374 nationally on financial health and #17 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rincones Presbyterian is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rincones Presbyterian
- 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 Deming Schools Employees financially healthy?
Deming Schools Employees scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,180 of 4,374; by total assets it ranks #3,840 of 4,374 nationally (same basis as /rankings/largest); and #36 of 37 within New Mexico. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 24.50% net worth ratio and a 0.99% delinquency rate.
How does Deming Schools Employees compare to other credit unions?
PlainCU's health composite puts Deming Schools Employees at 89/100, compared to a peer group average for $2M–$10M 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 Deming Schools Employees?
Membership eligibility for Deming Schools Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Deming Schools Employees directly for current membership requirements and application steps.
Is my money safe at Deming Schools Employees?
Federal credit unions like Deming Schools 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. Deming Schools Employees's net worth ratio of 24.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Deming Schools Employees offer compared to banks?
Credit unions like Deming Schools 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 Deming Schools 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.