State credit union · Santa Fe, New Mexico · NCUA charter #66149
GUADALUPE
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $336.2M
- Total assets
- 31,296
- Members
- 12.2%
- Net-worth ratio
GUADALUPE scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $336.2M; members 31,296; net-worth ratio 12.17%; health rank #504 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#504 of 4,374 health · 2025Q4GUADALUPE · health 94/100 · $336.2M · 2025Q4
- ROA 94/100
- ASSETS 12.2%
- MEM 1.09%
- RANK 0.98%
- PHOTO $336.2M
- BOOK 31,296
- CHARTER #504/4,374
- NCUSIF EXTRA
- CAMELS 66149
Call Report peers
GUADALUPE in the assets neighbourhood
GUADALUPE's $336.2M assets sit next to EXTRA ($336.3M) 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.
GUADALUPE 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
94 Top 13% higher than 87% 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
GUADALUPE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66149. See our deposit-insurance coverage note.
Peer-gap read for GUADALUPE
- Strongest edge vs 1069 $100M–$500M peers is Return on Assets: +0.36 pp (0.98% vs 0.62%).
- Loan-to-Share Ratio trails the peer set - 71.76% here, 72.20% peer average (-0.44 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Mexico standing for GUADALUPE
- In New Mexico, health place is #11 of 37 on the same NCUA-ratio sort used nationally.
- Assets rank #12 of 37 inside New Mexico ($336.2M reported).
- Member book place in New Mexico: #11 of 37.
In-state ordinals use the live credit_unions table for NM only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
GUADALUPE: 2025Q4 → 2026Q1
GUADALUPE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $336.2M (2025Q4) to $348.6M (2026Q1).
- Net-worth ratio shifted -0.27 pp (12.44% → 12.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.3 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
GUADALUPE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.17% | +0.06 pp |
| Delinquency Rate | 1.09% | +0.19 pp |
| Return on Assets | 0.98% | +0.36 pp |
| Member Growth | 5.48% | - |
| Loan-to-Share Ratio | 71.76% | -0.44 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).
GUADALUPE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $348.6M | - |
| 2025Q4 | $336.2M | 31,296 |
| 2024Q4 | $306.6M | 29,670 |
| 2023Q4 | $261.7M | 27,927 |
Credit Union Details
- Charter Number
- 66149
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- New Mexico
- City
- Santa Fe
- Data Quarter
- 2025Q4
Branch Locations (8)
GUADALUPE operates 8 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Administration Office (Main Office) | Santa Fe, NM |
| Taos Branch | El Prado, NM |
| Espanola Branch | Espanola, NM |
| Las Vegas Branch | Las Vegas, NM |
| Mora Branch | Mora, NM |
| Rodeo Branch | Santa Fe, NM |
| Airport Branch | Santa Fe, NM |
| Don Diego Branch | Santa Fe, 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.
Other-state peers near GUADALUPE
Two NCUA Call Report peer sets for GUADALUPE, both outside New Mexico so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($336.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- GUADALUPE ranks #504 of 4,374 nationally on financial health and #11 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- White Sands is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with White Sands
- 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 GUADALUPE financially healthy?
GUADALUPE has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #504 of 4,374; by total assets it ranks #972 of 4,374 nationally (same basis as /rankings/largest); and #12 of 37 within New Mexico. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.17% and delinquency rate of 1.09%.
How does GUADALUPE compare to other credit unions?
On PlainCU's health composite, GUADALUPE lands at 94/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 GUADALUPE?
Membership eligibility for GUADALUPE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GUADALUPE directly for current membership requirements and application steps.
Is my money safe at GUADALUPE?
Federal credit unions like GUADALUPE 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. GUADALUPE's net worth ratio of 12.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GUADALUPE offer compared to banks?
Credit unions like GUADALUPE 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 GUADALUPE 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.