State credit union · ALAMOGORDO, New Mexico · NCUA charter #66117
LOCO
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $64.5M
- Total assets
- 4,167
- Members
- 13.0%
- Net-worth ratio
LOCO scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $64.5M; members 4,167; net-worth ratio 13.02%; health rank #3,992 of 4,374; healthier than 8th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,992 of 4,374 health · 2025Q4LOCO · health 62/100 · $64.5M · 2025Q4
Call Report peers
LOCO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LOCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LOCO sits in 60-64 with 179 others.
62 8th percentile higher than 8% 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
LOCO: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.79% vs peer 0.96% (-0.17 pp).
- Loan-to-Share Ratio trails the peer set - 46.62% here, 62.60% peer average (-15.98 pp).
Where LOCO sits in New Mexico
- New Mexico health ordinal: #35 of 37.
- By total assets, LOCO is #18 of 37 in New Mexico.
- New Mexico membership ordinal: #21 of 37.
- One place up in New Mexico, High Desert Community (#34) scores 63/100, 1 point higher; one place down, U.S. Eagle (#36) scores 57/100, 5 points lower.
LOCO: 2025Q4 → 2026Q1
LOCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.9% from $64.5M (2025Q4) to $62.0M (2026Q1).
- Net-worth ratio shifted +0.28 pp (12.74% → 13.02%).
13.02% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 62/100 score is built
LOCO gives up 38 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.02% | -0.60 pp |
| Delinquency Rate | 0.79% | -0.17 pp |
| Return on Assets | -0.50% | -1.15 pp |
| Member Growth | -8.76% | - |
| Loan-to-Share Ratio | 46.62% | -15.98 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - LOCO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $62.0M | - |
| 2025Q4 | $64.5M | 4,167 |
| 2024Q4 | $62.1M | 4,567 |
| 2023Q4 | $65.8M | 4,651 |
Credit Union Details
- Charter Number
- 66117
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- New Mexico
- City
- ALAMOGORDO
- Data Quarter
- 2025Q4
Branch Location
LOCO operates a single office in Alamogordo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| LOCO Credit Union (Main Office) | Alamogordo, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- LOCO ranks #3,992 of 4,374 nationally on financial health and #35 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Security is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Security
Frequently Asked Questions
Is LOCO financially healthy?
LOCO has a financial health score of 62/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,992 of 4,374 nationally on health and #35 of 37 in New Mexico. Its net worth ratio is 13.02% and its delinquency rate 0.79%.
How does LOCO compare to other credit unions?
LOCO scores 62/100, higher than 8% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.79% vs 0.96%). Its widest shortfall is loan-to-share ratio (46.62% vs 62.60%).
How can I join LOCO?
Membership eligibility for LOCO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LOCO directly for current membership requirements and application steps.
Is my money safe at LOCO?
LOCO is a state-chartered credit union; its shares are federally 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. LOCO's net worth ratio of 13.02% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.