Federal credit union · CARLSBAD, New Mexico · NCUA charter #7027
INTERNATIONALITES
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $11.3M
- Total assets
- 1,201
- Members
- 17.8%
- Net-worth ratio
INTERNATIONALITES scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.3M; members 1,201; net-worth ratio 17.77%; health rank #2,391 of 4,374; healthier than 43rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,391 of 4,374 health · 2025Q4INTERNATIONALITES · health 82/100 · $11.3M · 2025Q4
- HEALTH 82/100
- NW 17.8%
- DELQ 0.00%
- ROA -0.01%
- ASSETS $11.3M
- MEM 1,201
- RANK #2,391/4,374
- PHOTO Biloxi Teachers
- BOOK 7027
Call Report peers
INTERNATIONALITES in the assets neighbourhood
INTERNATIONALITES's $11.3M assets sit next to Biloxi Teachers ($11.3M) 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.
INTERNATIONALITES 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
82 43rd percentile higher than 43% 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
INTERNATIONALITES - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #7027 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where INTERNATIONALITES diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 90.65% here, 59.80% peer average (+30.85 pp).
- Return on Assets trails the peer set - -0.01% here, 0.70% peer average (-0.71 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Mexico standing for INTERNATIONALITES
- Health composite ranks #24 of 37 among scored New Mexico credit unions.
- Assets rank #31 of 37 inside New Mexico ($11.3M reported).
- Member book place in New Mexico: #31 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.
How INTERNATIONALITES's 5300 filing moved
INTERNATIONALITES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $11.3M (2025Q4) to $11.4M (2026Q1).
- Net-worth ratio shifted -0.32 pp (18.09% → 17.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.4 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 14.5 pts
INTERNATIONALITES vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.77% | +2.91 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | -0.01% | -0.71 pp |
| Member Growth | -0.50% | - |
| Loan-to-Share Ratio | 90.65% | +30.85 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).
Call Report history - INTERNATIONALITES
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.4M | - |
| 2025Q4 | $11.3M | 1,201 |
| 2024Q4 | $12.5M | 1,207 |
| 2023Q4 | $11.9M | 1,128 |
Credit Union Details
- Charter Number
- 7027
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Mexico
- City
- CARLSBAD
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for INTERNATIONALITES.
| Office | City |
|---|---|
| Internationalites FCU (Main Office) | Carlsbad, 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.
INTERNATIONALITES nationwide neighbourhoods
Cross-state asset and health neighbours for INTERNATIONALITES - kept outside New Mexico; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- INTERNATIONALITES ranks #2,391 of 4,374 nationally on financial health and #24 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 INTERNATIONALITES financially healthy?
INTERNATIONALITES scores 82/100 (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 #2,391 of 4,374; by total assets it ranks #3,492 of 4,374 nationally (same basis as /rankings/largest); and #31 of 37 within New Mexico. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.77% net worth ratio and a 0.00% delinquency rate.
How does INTERNATIONALITES compare to other credit unions?
INTERNATIONALITES scores 82/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 INTERNATIONALITES?
INTERNATIONALITES 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 INTERNATIONALITES directly for the exact boundaries and application steps.
Is my money safe at INTERNATIONALITES?
Federal credit unions like INTERNATIONALITES 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. INTERNATIONALITES's net worth ratio of 17.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INTERNATIONALITES offer compared to banks?
Credit unions like INTERNATIONALITES 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 INTERNATIONALITES 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.