Federal credit union · MILAN, New Mexico · NCUA charter #13654
Mt Taylor
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.1M
- Total assets
- 261
- Members
- 19.0%
- Net-worth ratio
Mt Taylor scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.1M; members 261; net-worth ratio 19.03%; health rank #450 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#450 of 4,374 health · 2025Q4Mt Taylor · health 94/100 · $2.1M · 2025Q4
- MEM 94/100
- RANK 19.0%
- PHOTO 0.00%
- BOOK 0.12%
- CHARTER $2.1M
- NCUSIF 261
- CAMELS #450/4,374
- HEALTH n/a
- NW 13654
Call Report peers
Mt Taylor carries $2.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mt Taylor 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
Mt Taylor - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13654. See our deposit-insurance coverage note.
Peer-gap read for Mt Taylor
- Largest favorable gap: Loan-to-Share Ratio at 72.33% vs peer 63.60% (+8.73 pp).
- Largest lag: Return on Assets at 0.12% vs peer 0.45% (-0.33 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mt Taylor in New Mexico
- New Mexico health ordinal: #10 of 37.
- By total assets, Mt Taylor is #37 of 37 in New Mexico.
- Membership ranks #37 of 37 among New Mexico CUs with a reported count (261 members).
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 Mt Taylor's 5300 filing moved
Mt Taylor: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $2.1M (2025Q4) to $2.1M (2026Q1).
- Net-worth ratio shifted -0.09 pp (19.12% → 19.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 19.03% 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 25.0 pts
- Return on Assets 9.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.03% | -0.03 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.12% | -0.33 pp |
| Member Growth | 5.67% | - |
| Loan-to-Share Ratio | 72.33% | +8.73 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.1M | - |
| 2025Q4 | $2.1M | 261 |
| 2024Q4 | $2.1M | 247 |
| 2023Q4 | $2.1M | 238 |
Credit Union Details
- Charter Number
- 13654
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New Mexico
- City
- MILAN
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Mt Taylor.
| Office | City |
|---|---|
| MT TAYLOR FEDERAL CREDIT UNION (Main Office) | GRANTS, NM |
| MT TAYLOR FEDERAL CREDIT UNION | GRANTS, 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.
Cross-state Call Report peers for Mt Taylor
Mt Taylor's nationwide photo peers by assets and by health score, excluding New Mexico charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Mt Taylor ranks #450 of 4,374 nationally on financial health and #10 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Deming Schools Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Deming Schools Employees
- 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 Mt Taylor financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mt Taylor carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #450 of 4,374; by total assets it ranks #4,122 of 4,374 nationally (same basis as /rankings/largest); and #37 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 19.03% net worth ratio and a 0.00% delinquency rate.
How does Mt Taylor compare to other credit unions?
On PlainCU's health composite, Mt Taylor lands at 94/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Mt Taylor?
Mt Taylor 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 Mt Taylor directly for the exact boundaries and application steps.
Is my money safe at Mt Taylor?
Federal credit unions like Mt Taylor 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. Mt Taylor's net worth ratio of 19.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mt Taylor offer compared to banks?
Credit unions like Mt Taylor 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 Mt Taylor 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.