Federal credit union · HOBBS, New Mexico · NCUA charter #8299
ESTACADO
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $113.7M
- Total assets
- 8,709
- Members
- 13.7%
- Net-worth ratio
ESTACADO scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $113.7M; members 8,709; net-worth ratio 13.68%; health rank #160 of 4,374; healthier than 95th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#160 of 4,374 health · 2025Q4ESTACADO · health 97/100 · $113.7M · 2025Q4
- HEALTH 97/100
- NW 13.7%
- DELQ 0.60%
- ROA 1.44%
- ASSETS $113.7M
- MEM 8,709
- RANK #160/4,374
- PHOTO KSW
- BOOK 8299
Call Report peers
ESTACADO in the assets neighbourhood
ESTACADO's $113.7M assets sit next to KSW ($113.8M) 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.
ESTACADO 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
97 Top 5% higher than 95% 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
ESTACADO - Share Insurance Coverage
Charter #8299'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.
ESTACADO: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 13.68% vs peer 12.11% (+1.57 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where ESTACADO sits in New Mexico
- New Mexico health ordinal: #6 of 37.
- By total assets, ESTACADO is #15 of 37 in New Mexico.
- Membership ranks #16 of 37 among New Mexico CUs with a reported count (8,709 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.
How ESTACADO's 5300 filing moved
ESTACADO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.9% from $113.7M (2025Q4) to $119.3M (2026Q1).
- Net-worth ratio shifted -0.21 pp (13.89% → 13.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.68% | +1.57 pp |
| Delinquency Rate | 0.60% | -0.30 pp |
| Return on Assets | 1.44% | +0.82 pp |
| Member Growth | 3.44% | - |
| Loan-to-Share Ratio | 72.54% | +0.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - ESTACADO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $119.3M | - |
| 2025Q4 | $113.7M | 8,709 |
| 2024Q4 | $107.2M | 8,419 |
| 2023Q4 | $100.1M | 8,182 |
Credit Union Details
- Charter Number
- 8299
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Mexico
- City
- HOBBS
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for ESTACADO, spread across 4 cities in 2 states.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | HOBBS, NM |
| BRANCH OFFICE | DENVER CITY, TX |
| BRANCH OFFICE | EUNICE, NM |
| BRANCH OFFICE | LOVINGTON, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
A look at other New Mexico credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for ESTACADO
ESTACADO's nationwide photo peers by assets and by health score, excluding New Mexico charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($113.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- ESTACADO ranks #160 of 4,374 nationally on financial health and #6 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CANNON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CANNON
- 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 ESTACADO financially healthy?
ESTACADO scores 97/100 (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 #160 of 4,374; by total assets it ranks #1,723 of 4,374 nationally (same basis as /rankings/largest); and #15 of 37 within New Mexico. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.68% net worth ratio and a 0.60% delinquency rate.
How does ESTACADO compare to other credit unions?
Five weighted metrics from NCUA filings produce ESTACADO's 97/100 score on PlainCU's health composite, compared to a peer group average for $100M–$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 ESTACADO?
ESTACADO 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 ESTACADO directly for the exact boundaries and application steps.
Is my money safe at ESTACADO?
Federal credit unions like ESTACADO 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. ESTACADO's net worth ratio of 13.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ESTACADO offer compared to banks?
Credit unions like ESTACADO 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 ESTACADO 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.