Federal credit union · CARLSBAD, New Mexico · NCUA charter #9566
EDDY
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $60.6M
- Total assets
- 4,917
- Members
- 18.1%
- Net-worth ratio
EDDY scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $60.6M; members 4,917; net-worth ratio 18.11%; health rank #37 of 4,374; healthier than 98th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#37 of 4,374 health · 2025Q4EDDY · health 99/100 · $60.6M · 2025Q4
Call Report peers
EDDY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EDDY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EDDY sits in 95-99 with 391 others.
99 Top 2% higher than 98% 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
EDDY: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 86.08% vs peer 62.60% (+23.48 pp).
- Return on Assets trails the peer set - 0.62% here, 0.66% peer average (-0.03 pp).
Where EDDY sits in New Mexico
- Health composite ranks #3 of 37 among scored New Mexico credit unions.
- Assets rank #20 of 37 inside New Mexico ($60.6M reported).
- New Mexico membership ordinal: #19 of 37.
- One place up in New Mexico, Railroad Employees (#2) scores 100/100, 1 point higher; one place down, Roswell Community (#4) scores 97/100, 2 points lower.
EDDY: 2025Q4 → 2026Q1
EDDY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $60.6M (2025Q4) to $62.1M (2026Q1).
- Net-worth ratio shifted -0.27 pp (18.38% → 18.11%).
At 18.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
EDDY gives up 1 points in total. Member Growth costs the most, 0.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.2 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for EDDY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.11% | +4.49 pp |
| Delinquency Rate | 0.43% | -0.54 pp |
| Return on Assets | 0.62% | -0.03 pp |
| Member Growth | 4.31% | - |
| Loan-to-Share Ratio | 86.08% | +23.48 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $62.1M | - |
| 2025Q4 | $60.6M | 4,917 |
| 2024Q4 | $57.6M | 4,714 |
| 2023Q4 | $55.8M | 4,910 |
Credit Union Details
- Charter Number
- 9566
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- New Mexico
- City
- CARLSBAD
- Data Quarter
- 2025Q4
Branch Locations (2)
EDDY operates 2 offices in Carlsbad, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Eddy Federal Credit Union (Main Office) | Carlsbad, NM |
| Eddy Federal CU South | Carlsbad, 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.
Nationwide credit unions with similar profiles
Using this data
- EDDY ranks #37 of 4,374 nationally on financial health and #3 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Security is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Security
Frequently Asked Questions
Is EDDY financially healthy?
On its 2025Q4 NCUA 5300 filing, EDDY scores 99/100 (Excellent), with a 18.11% net worth ratio and 0.43% of loans delinquent. It ranks #37 of 4,374 nationally on health and #3 of 37 in New Mexico.
How does EDDY compare to other credit unions?
EDDY scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (86.08% vs 62.60%). Its widest shortfall is return on assets (0.62% vs 0.66%).
How can I join EDDY?
EDDY operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact EDDY directly for the exact boundaries and application steps.
Is my money safe at EDDY?
EDDY is a federal credit union; its shares are federally 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. EDDY's net worth ratio of 18.11% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.