State credit union · JEMEZ SPRINGS, New Mexico · NCUA charter #62637
Jemez Valley
Health score 55/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $27.6M
- Total assets
- 1,836
- Members
- 10.5%
- Net-worth ratio
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.
Jemez Valley - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)12
- Earnings (ROA)49
- Member growth33
- Liquidity (loan-to-share)66
Weighted composite: 55/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.54% | 30% |
| Delinquency Rate | 3.54% | 25% |
| Return on Assets | 0.06% | 15% |
| Member Growth | -2.29% | 15% |
| Loan-to-Share Ratio | 43.96% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Jemez Valley
Jemez Valley is a state credit union headquartered in JEMEZ SPRINGS, New Mexico, serving 1,836 members with $27.6M in total assets and $10.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 55/100 (Fair), anchored by a net worth ratio of 10.54% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #62637 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 43.96% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 3.54% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 0.06% on net income of $17K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.29%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.54% 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 10.54% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.