Federal credit union · Tucumcari, New Mexico · NCUA charter #9370
EVERYONE'S
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $46.5M
- Total assets
- 4,569
- Members
- 13.4%
- Net-worth ratio
EVERYONE'S scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.5M; members 4,569; net-worth ratio 13.40%; health rank #358 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#358 of 4,374 health · 2025Q4EVERYONE'S · health 95/100 · $46.5M · 2025Q4
Call Report peers
EVERYONE'S in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EVERYONE'S vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EVERYONE'S sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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
EVERYONE'S: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +11.45 pp (71.25% vs 59.80%).
- Largest lag: Net Worth Ratio at 13.40% vs peer 14.86% (-1.46 pp).
Where EVERYONE'S sits in New Mexico
- Health composite ranks #8 of 37 among scored New Mexico credit unions.
- New Mexico assets place: #22 of 37.
- Member book place in New Mexico: #20 of 37.
- One place up in New Mexico, Del Norte (#7) scores 96/100, 1 point higher; one place down, CANNON (#9) ties at 95/100.
EVERYONE'S Call Report trajectory
EVERYONE'S: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.7% from $46.5M (2025Q4) to $48.7M (2026Q1).
- Net-worth ratio shifted -0.44 pp (13.84% → 13.40%).
This credit union's 13.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
EVERYONE'S gives up 5 points in total. Member Growth costs the most, 4.7 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 10.3 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.40% | -1.46 pp |
| Delinquency Rate | 0.03% | -1.11 pp |
| Return on Assets | 1.03% | +0.33 pp |
| Member Growth | 1.08% | - |
| Loan-to-Share Ratio | 71.25% | +11.45 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
EVERYONE'S quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.7M | - |
| 2025Q4 | $46.5M | 4,569 |
| 2024Q4 | $43.4M | 4,520 |
| 2023Q4 | $45.0M | 4,497 |
Credit Union Details
- Charter Number
- 9370
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Mexico
- City
- Tucumcari
- Data Quarter
- 2025Q4
Branch Locations (3)
EVERYONE'S operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Tucumcari, NM |
| Santa Rosa Branch | Santa Rosa, NM |
| Vaughn Branch | Vaughn, 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.
EVERYONE'S nationwide neighbourhoods
Using this data
- EVERYONE'S ranks #358 of 4,374 nationally on financial health and #8 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northern New Mexico School Employee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northern New Mexico School Employee
Frequently Asked Questions
Is EVERYONE'S financially healthy?
On its 2025Q4 NCUA 5300 filing, EVERYONE'S scores 95/100 (Excellent), with a 13.40% net worth ratio and 0.03% of loans delinquent. It ranks #358 of 4,374 nationally on health and #8 of 37 in New Mexico.
How does EVERYONE'S compare to other credit unions?
EVERYONE'S scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (71.25% vs 59.80%). Its widest shortfall is net worth ratio (13.40% vs 14.86%).
How can I join EVERYONE'S?
EVERYONE'S 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 EVERYONE'S directly for the exact boundaries and application steps.
Is my money safe at EVERYONE'S?
EVERYONE'S 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. EVERYONE'S's net worth ratio of 13.40% 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.