State credit union · DEMING, New Mexico · NCUA charter #61559

Deming Schools Employees

Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

89
Health / 100
$5.5M
Total assets
879
Members
21.2%
Net-worth ratio

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.

NCUSIF coverage gauge for Deming Schools Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Deming Schools Employees holds approximately $4.2M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 21.2 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 21.2% · $4.2M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Deming Schools Employees - 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) 21.21% 30% weight
  • Asset quality (delinquency) 0.99% 25% weight
  • Earnings (ROA) 1.07% 15% weight
  • Member growth 3.05% 15% weight
  • Liquidity (loan-to-share) 51% 15% weight

Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

This credit union's 21.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$5.5M
Total Assets
879
Members
$2.2M
Total Loans
$4.2M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 21.21% 30%
Delinquency Rate 0.99% 25%
Return on Assets 1.07% 15%
Member Growth 3.05% 15%
Loan-to-Share Ratio 51.41% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Deming Schools Employees

Deming Schools Employees is a state credit union headquartered in DEMING, New Mexico, serving 879 members with $5.5M in total assets and $2.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 89/100 (Excellent), anchored by a net worth ratio of 21.21% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #61559 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.

Loan book quality rounds out the picture. The delinquency rate of 0.99% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 51.41% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.07% on net income of $59K 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 3.05%. 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.

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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 Deming Schools Employees financially healthy?

Deming Schools Employees scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 21.21% 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 21.21% 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.