State credit union · Los Alamos, New Mexico · NCUA charter #61165
Los Alamos Schools
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $32.8M
- Total assets
- 2,226
- Members
- 11.6%
- Net-worth ratio
Los Alamos Schools scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $32.8M; members 2,226; net-worth ratio 11.62%; health rank #515 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#515 of 4,374 health · 2025Q4Los Alamos Schools · health 94/100 · $32.8M · 2025Q4
- DELQ 94/100
- ROA 11.6%
- ASSETS 0.62%
- MEM 0.79%
- RANK $32.8M
- PHOTO 2,226
- BOOK #515/4,374
- CHARTER BREWSTER
- NCUSIF 61165
Call Report peers
Los Alamos Schools in the assets neighbourhood
Los Alamos Schools's $32.8M assets sit next to BREWSTER ($32.8M) 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.
Los Alamos Schools 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
94 Top 13% higher than 87% 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
Los Alamos Schools - Share Insurance Coverage
Charter #61165's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Los Alamos Schools vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +9.59 pp (69.39% vs 59.80%).
- Net Worth Ratio trails the peer set - 11.62% here, 14.86% peer average (-3.24 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Los Alamos Schools: in-state Call Report ranks
- In New Mexico, health place is #12 of 37 on the same NCUA-ratio sort used nationally.
- Assets rank #25 of 37 inside New Mexico ($32.8M reported).
- New Mexico membership ordinal: #25 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.
Los Alamos Schools: 2025Q4 → 2026Q1
Los Alamos Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.8% from $32.8M (2025Q4) to $32.2M (2026Q1).
- Net-worth ratio shifted +0.44 pp (11.18% → 11.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 15.3 pts
Los Alamos Schools vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.62% | -3.24 pp |
| Delinquency Rate | 0.62% | -0.53 pp |
| Return on Assets | 0.79% | +0.08 pp |
| Member Growth | 0.77% | - |
| Loan-to-Share Ratio | 69.39% | +9.59 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.2M | - |
| 2025Q4 | $32.8M | 2,226 |
| 2024Q4 | $33.0M | 2,209 |
| 2023Q4 | $30.3M | 2,126 |
Credit Union Details
- Charter Number
- 61165
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New Mexico
- City
- Los Alamos
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Los Alamos Schools runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Los Alamos Schools CU (Main Office) | Los Alamos, NM |
| Del Norte Credit Union | Santa Fe, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Los Alamos Schools - kept outside New Mexico; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($32.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Los Alamos Schools ranks #515 of 4,374 nationally on financial health and #12 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 Los Alamos Schools financially healthy?
A 11.62% net worth ratio and a 0.62% delinquency rate feed into Los Alamos Schools's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #515 of 4,374; by total assets it ranks #2,785 of 4,374 nationally (same basis as /rankings/largest); and #25 of 37 within New Mexico. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Los Alamos Schools compare to other credit unions?
94/100 is Los Alamos Schools'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 Los Alamos Schools?
Membership eligibility for Los Alamos Schools depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Los Alamos Schools directly for current membership requirements and application steps.
Is my money safe at Los Alamos Schools?
Federal credit unions like Los Alamos Schools 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. Los Alamos Schools's net worth ratio of 11.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Los Alamos Schools offer compared to banks?
Credit unions like Los Alamos Schools 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 Los Alamos Schools 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.