Federal credit union · ALBUQUERQUE, New Mexico · NCUA charter #948
NUSENDA
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $4.89B
- Total assets
- 291,818
- Members
- 9.0%
- Net-worth ratio
NUSENDA scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.89B; members 291,818; net-worth ratio 9.01%; health rank #853 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#853 of 4,374 health · 2025Q4NUSENDA · health 92/100 · $4.89B · 2025Q4
- MEM 92/100
- RANK 9.0%
- PHOTO 0.99%
- BOOK 0.57%
- CHARTER $4.89B
- NCUSIF 291,818
- CAMELS #853/4,374
- HEALTH MUNICIPAL
- NW 948
Call Report peers
NUSENDA in the assets neighbourhood
NUSENDA's $4.89B assets sit next to MUNICIPAL ($4.90B) 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.
NUSENDA 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
92 Top 20% higher than 80% 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
NUSENDA - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #948 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
NUSENDA vs Over $500M peers
- Return on Assets leads the peer set - 0.57% here, 0.51% peer average (+0.07 pp).
- Largest lag: Loan-to-Share Ratio at 79.96% vs peer 83.90% (-3.94 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where NUSENDA sits in New Mexico
- Health composite ranks #14 of 37 among scored New Mexico credit unions.
- Assets rank #1 of 37 inside New Mexico ($4.89B reported).
- New Mexico membership ordinal: #1 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.
Quarter path for NUSENDA
NUSENDA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $4.89B (2025Q4) to $4.97B (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.13% → 9.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.01%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 20.1 pts
- Return on Assets 15.0 pts
- Member Growth 14.3 pts
- Loan-to-Share Ratio 15.1 pts
NUSENDA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.01% | -2.17 pp |
| Delinquency Rate | 0.99% | +0.11 pp |
| Return on Assets | 0.57% | +0.07 pp |
| Member Growth | 4.40% | - |
| Loan-to-Share Ratio | 79.96% | -3.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
NUSENDA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.97B | - |
| 2025Q4 | $4.89B | 291,818 |
| 2024Q4 | $4.68B | 279,528 |
| 2023Q4 | $4.35B | 264,816 |
Credit Union Details
- Charter Number
- 948
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New Mexico
- City
- ALBUQUERQUE
- Data Quarter
- 2025Q4
Branch Locations (32)
The NCUA branch filing lists 32 physical offices for NUSENDA, spread across 9 cities in 2 states.
| Office | City |
|---|---|
| Nusenda Administration (Main Office) | Albuquerque, NM |
| Cottonwood | Albuquerque, NM |
| Ladera | Albuquerque, NM |
| Uptown | Albuquerque, NM |
| Lobo Landing | Albuquerque, NM |
| South Valley | Albuquerque, NM |
| University | Albuquerque, NM |
| Paseo Del Norte | Albuquerque, NM |
| Juan Tabo | Albuquerque, NM |
| North Valley | Albuquerque, NM |
| 98th Street | Albuquerque, NM |
| South Eubank | Albuquerque, NM |
| Montgomery Branch | Albuquerque, NM |
| Journal Center | Albuquerque, NM |
| Deming | Deming, NM |
| Castellano Branch | El Paso, TX |
| Gateway | El Paso, TX |
| Resler Branch | El Paso, TX |
| Eastlake | El Paso, TX |
| Vista Hills | El Paso, TX |
| Las Cruces | Las Cruces, NM |
| NMSU Corbett Center Branch | Las Cruces, NM |
| Las Cruces S Alameda | Las Cruces, NM |
| Sonoma | Las Cruces, NM |
| Valencia | Los Lunas, NM |
| Enchanted Hills | Rio Rancho, NM |
| Unser | Rio Rancho, NM |
| St Michaels | Santa Fe, NM |
| DeVargas | Santa Fe, NM |
| Southside | Santa Fe, NM |
| Socorro | Socorro, NM |
| Taos | Taos, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
More federally-insured credit unions based in New Mexico, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
NUSENDA's nationwide photo peers by assets and by health score, excluding New Mexico charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.89B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- NUSENDA ranks #853 of 4,374 nationally on financial health and #14 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SUNWARD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SUNWARD
- 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 NUSENDA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, NUSENDA carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #853 of 4,374; by total assets it ranks #91 of 4,374 nationally (same basis as /rankings/largest); and #1 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 9.01% net worth ratio and a 0.99% delinquency rate.
How does NUSENDA compare to other credit unions?
PlainCU's health composite puts NUSENDA at 92/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 NUSENDA?
NUSENDA 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 NUSENDA directly for the exact boundaries and application steps.
Is my money safe at NUSENDA?
Federal credit unions like NUSENDA 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. NUSENDA's net worth ratio of 9.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NUSENDA offer compared to banks?
Credit unions like NUSENDA 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 NUSENDA 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.