Federal credit union · SANTA FE, New Mexico · NCUA charter #4805
Northern New Mexico School Employee
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $44.2M
- Total assets
- 1,602
- Members
- 12.0%
- Net-worth ratio
Northern New Mexico School Employee scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.2M; members 1,602; net-worth ratio 12.04%; health rank #2,111 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,111 of 4,374 health · 2025Q4Northern New Mexico School… · health 84/100 · $44.2M · 2025Q4
- CHARTER 84/100
- NCUSIF 12.0%
- CAMELS 0.80%
- HEALTH 1.62%
- NW $44.2M
- DELQ 1,602
- ROA #2,111/4,374
- ASSETS Enfield Community
- MEM 4805
Call Report peers
Northern New Mexico School Employee in the assets neighbourhood
Northern New Mexico School Employee's $44.2M assets sit next to Enfield Community ($44.2M) 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.
Northern New Mexico School Employee 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
84 Top 50% higher than 50% 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
Northern New Mexico School Employee - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4805. See our deposit-insurance coverage note.
Where Northern New Mexico School Employee diverges from peer averages
- Return on Assets leads the peer set - 1.62% here, 0.70% peer average (+0.92 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -31.17 pp (28.63% 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.
Northern New Mexico School Employee: in-state Call Report ranks
- New Mexico health ordinal: #22 of 37.
- By total assets, Northern New Mexico School Employee is #23 of 37 in New Mexico.
- New Mexico membership ordinal: #29 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.
How Northern New Mexico School Employee's 5300 filing moved
Northern New Mexico School Employee: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $44.2M (2025Q4) to $45.2M (2026Q1).
- Net-worth ratio shifted -0.03 pp (12.07% → 12.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 9.0 pts
Northern New Mexico School… health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.04% | -2.82 pp |
| Delinquency Rate | 0.80% | -0.34 pp |
| Return on Assets | 1.62% | +0.92 pp |
| Member Growth | -0.56% | - |
| Loan-to-Share Ratio | 28.63% | -31.17 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).
Call Report history - Northern New Mexico School Employee
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.2M | - |
| 2025Q4 | $44.2M | 1,602 |
| 2024Q4 | $40.9M | 1,611 |
| 2023Q4 | $37.6M | 1,654 |
Credit Union Details
- Charter Number
- 4805
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Mexico
- City
- SANTA FE
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Northern New Mexico School Employee, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Northern NM School EFCU (Main Office) | Santa Fe, NM |
| InNetwork | Lakewood, CO |
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
Cross-state asset and health neighbours for Northern New Mexico School Employee - kept outside New Mexico; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Northern New Mexico School Employee ranks #2,111 of 4,374 nationally on financial health and #22 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EVERYONE'S is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EVERYONE'S
- 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 Northern New Mexico School Employee financially healthy?
A 12.04% net worth ratio and a 0.80% delinquency rate feed into Northern New Mexico School Employee's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,111 of 4,374; by total assets it ranks #2,511 of 4,374 nationally (same basis as /rankings/largest); and #23 of 37 within New Mexico. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Northern New Mexico School Employee compare to other credit unions?
On PlainCU's health composite, Northern New Mexico School Employee lands at 84/100, compared to a peer group average for $10M–$50M 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 Northern New Mexico School Employee?
Northern New Mexico School Employee 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 Northern New Mexico School Employee directly for the exact boundaries and application steps.
Is my money safe at Northern New Mexico School Employee?
Federal credit unions like Northern New Mexico School Employee 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. Northern New Mexico School Employee's net worth ratio of 12.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northern New Mexico School Employee offer compared to banks?
Credit unions like Northern New Mexico School Employee 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 Northern New Mexico School Employee 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.