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
Call Report peers
Northern New Mexico School Employee in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Northern New Mexico School Employee sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New Mexico, White Sands (#21) ties at 84/100; one place down, First Financial (#23) ties at 84/100.
How Northern New Mexico School Employee's 5300 filing moved
Northern New Mexico School Employee: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $44.2M (2025Q4) to $45.2M (2026Q1).
- Net-worth ratio shifted -0.03 pp (12.07% → 12.04%).
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
Northern New Mexico School Employee gives up 16 points in total. Member Growth costs the most, 7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Northern New Mexico School Employee financially healthy?
Northern New Mexico School Employee has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,111 of 4,374 nationally on health and #22 of 37 in New Mexico. Its net worth ratio is 12.04% and its delinquency rate 0.80%.
How does Northern New Mexico School Employee compare to other credit unions?
Northern New Mexico School Employee scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.62% vs 0.70%). Its widest shortfall is loan-to-share ratio (28.63% vs 59.80%).
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?
Northern New Mexico School Employee is a federal 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. Northern New Mexico School Employee's net worth ratio of 12.04% 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.