State credit union · Aztec, New Mexico · NCUA charter #66185
High Desert Community
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $17.2M
- Total assets
- 1,923
- Members
- 13.3%
- Net-worth ratio
High Desert Community scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.2M; members 1,923; net-worth ratio 13.33%; health rank #3,945 of 4,374; healthier than 9th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,945 of 4,374 health · 2025Q4High Desert Community · health 63/100 · $17.2M · 2025Q4
- CAMELS 63/100
- HEALTH 13.3%
- NW 0.81%
- DELQ -0.59%
- ROA $17.2M
- ASSETS 1,923
- MEM #3,945/4,374
- RANK Caddo Parish Teachers
- PHOTO 66185
Call Report peers
High Desert Community in the assets neighbourhood
High Desert Community's $17.2M assets sit next to Caddo Parish Teachers ($17.2M) 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.
High Desert Community 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
63 9th percentile higher than 9% 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
High Desert Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66185. See our deposit-insurance coverage note.
High Desert Community vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.33 pp (0.81% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 54.89% here, 59.80% peer average (-4.91 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where High Desert Community sits in New Mexico
- New Mexico health ordinal: #34 of 37.
- New Mexico assets place: #29 of 37.
- Member book place in New Mexico: #27 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.
High Desert Community: 2025Q4 → 2026Q1
High Desert Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.2% from $17.2M (2025Q4) to $18.2M (2026Q1).
- Net-worth ratio shifted +0.07 pp (13.26% → 13.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.9 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.33% | -1.53 pp |
| Delinquency Rate | 0.81% | -0.33 pp |
| Return on Assets | -0.59% | -1.29 pp |
| Member Growth | -5.27% | - |
| Loan-to-Share Ratio | 54.89% | -4.91 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
High Desert Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.2M | - |
| 2025Q4 | $17.2M | 1,923 |
| 2024Q4 | $16.7M | 2,030 |
| 2023Q4 | $19.6M | 2,130 |
Credit Union Details
- Charter Number
- 66185
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New Mexico
- City
- Aztec
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for High Desert Community.
| Office | City |
|---|---|
| High Desert Community Credit Union (Main Office) | Aztec, 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.
High Desert Community nationwide neighbourhoods
Two NCUA Call Report peer sets for High Desert Community, 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 ($17.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- High Desert Community ranks #3,945 of 4,374 nationally on financial health and #34 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Four Corners is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Four Corners
- 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 High Desert Community financially healthy?
High Desert Community scores 63/100 (Good) 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 #3,945 of 4,374; by total assets it ranks #3,238 of 4,374 nationally (same basis as /rankings/largest); and #29 of 37 within New Mexico. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.33% net worth ratio and a 0.81% delinquency rate.
How does High Desert Community compare to other credit unions?
Five weighted metrics from NCUA filings produce High Desert Community's 63/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 High Desert Community?
Membership eligibility for High Desert Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact High Desert Community directly for current membership requirements and application steps.
Is my money safe at High Desert Community?
Federal credit unions like High Desert Community 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. High Desert Community's net worth ratio of 13.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does High Desert Community offer compared to banks?
Credit unions like High Desert Community 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 High Desert Community 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.