State credit union · JEMEZ SPRINGS, New Mexico · NCUA charter #62637
Jemez Valley
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $27.6M
- Total assets
- 1,836
- Members
- 12.3%
- Net-worth ratio
Jemez Valley scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.6M; members 1,836; net-worth ratio 12.34%; health rank #4,184 of 4,374; healthier than 4th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,184 of 4,374 health · 2025Q4Jemez Valley · health 55/100 · $27.6M · 2025Q4
- ASSETS 55/100
- MEM 12.3%
- RANK 3.54%
- PHOTO 0.06%
- BOOK $27.6M
- CHARTER 1,836
- NCUSIF #4,184/4,374
- CAMELS Gulf Shore
- HEALTH 62637
Call Report peers
Jemez Valley in the assets neighbourhood
Jemez Valley's $27.6M assets sit next to Gulf Shore ($27.6M) 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.
Jemez Valley 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
55 4th percentile higher than 4% 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
Jemez Valley - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62637. See our deposit-insurance coverage note.
Where Jemez Valley diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -15.84 pp (43.96% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Jemez Valley sits in New Mexico
- Health composite ranks #37 of 37 among scored New Mexico credit unions.
- Assets rank #27 of 37 inside New Mexico ($27.6M reported).
- Member book place in New Mexico: #28 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.
Jemez Valley Call Report trajectory
Jemez Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $27.6M (2025Q4) to $28.3M (2026Q1).
- Net-worth ratio shifted -0.27 pp (12.61% → 12.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 55/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.9 pts
- Return on Assets 7.3 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 9.9 pts
Jemez Valley vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.34% | -2.52 pp |
| Delinquency Rate | 3.54% | +2.39 pp |
| Return on Assets | 0.06% | -0.64 pp |
| Member Growth | -2.29% | - |
| Loan-to-Share Ratio | 43.96% | -15.84 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).
Jemez Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.3M | - |
| 2025Q4 | $27.6M | 1,836 |
| 2024Q4 | $28.2M | 1,879 |
| 2023Q4 | $29.9M | 1,916 |
Credit Union Details
- Charter Number
- 62637
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New Mexico
- City
- JEMEZ SPRINGS
- Data Quarter
- 2025Q4
Branch Locations (2)
Jemez Valley operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Jemez Valley (Main Office) | JEMEZ SPRINGS, NM |
| Jemez Valley San Ysidro Branch | San Ysidro, 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.
Other-state peers near Jemez Valley
Cross-state asset and health neighbours for Jemez Valley - kept outside New Mexico; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($27.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
Using this data
- Jemez Valley ranks #4,184 of 4,374 nationally on financial health and #37 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- QUESTA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with QUESTA
- 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 Jemez Valley financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Jemez Valley carries a financial health score of 55/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,184 of 4,374; by total assets it ranks #2,922 of 4,374 nationally (same basis as /rankings/largest); and #27 of 37 within New Mexico. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.34% net worth ratio and a 3.54% delinquency rate.
How does Jemez Valley compare to other credit unions?
55/100 is Jemez Valley's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Jemez Valley?
Membership eligibility for Jemez Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Jemez Valley directly for current membership requirements and application steps.
Is my money safe at Jemez Valley?
Federal credit unions like Jemez Valley 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. Jemez Valley's net worth ratio of 12.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jemez Valley offer compared to banks?
Credit unions like Jemez Valley 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 Jemez Valley 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.