Federal credit union · Alamogordo, New Mexico · NCUA charter #8475
OTERO
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $519.7M
- Total assets
- 33,773
- Members
- 15.2%
- Net-worth ratio
OTERO scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $519.7M; members 33,773; net-worth ratio 15.21%; health rank #1,066 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,066 of 4,374 health · 2025Q4OTERO · health 90/100 · $519.7M · 2025Q4
- MEM 90/100
- RANK 15.2%
- PHOTO 0.42%
- BOOK 1.10%
- CHARTER $519.7M
- NCUSIF 33,773
- CAMELS #1,066/4,374
- HEALTH Champions First
- NW 8475
Call Report peers
OTERO in the assets neighbourhood
OTERO's $519.7M assets sit next to Champions First ($519.4M) 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.
OTERO 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
90 Top 27% higher than 73% 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
OTERO - Share Insurance Coverage
Charter #8475'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.
Where OTERO diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +4.03 pp (15.21% vs 11.18%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -27.01 pp (56.89% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Mexico standing for OTERO
- In New Mexico, health place is #16 of 37 on the same NCUA-ratio sort used nationally.
- Assets rank #10 of 37 inside New Mexico ($519.7M reported).
- Membership ranks #10 of 37 among New Mexico CUs with a reported count (33,773 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 OTERO's 5300 filing moved
OTERO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $519.7M (2025Q4) to $532.5M (2026Q1).
- Net-worth ratio shifted +0.06 pp (15.15% → 15.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 12.4 pts
OTERO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.21% | +4.03 pp |
| Delinquency Rate | 0.42% | -0.46 pp |
| Return on Assets | 1.10% | +0.59 pp |
| Member Growth | -0.76% | - |
| Loan-to-Share Ratio | 56.89% | -27.01 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).
OTERO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $532.5M | - |
| 2025Q4 | $519.7M | 33,773 |
| 2024Q4 | $486.7M | 34,030 |
| 2023Q4 | $459.5M | 34,284 |
Credit Union Details
- Charter Number
- 8475
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New Mexico
- City
- Alamogordo
- Data Quarter
- 2025Q4
Branch Locations (7)
OTERO operates 7 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Administration Offices (Main Office) | Alamogordo, NM |
| Northside Office | Alamogordo, NM |
| Main Office | Alamogordo, NM |
| Holloman Office | Holloman AFB, NM |
| South Main Office | Roswell, NM |
| North Main Office | Roswell, NM |
| Ruidoso Office | Ruidoso, 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.
OTERO nationwide neighbourhoods
OTERO'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 ($519.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- OTERO ranks #1,066 of 4,374 nationally on financial health and #16 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rio Grande is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rio Grande
- 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 OTERO financially healthy?
OTERO has a financial health score of 90/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,066 of 4,374; by total assets it ranks #735 of 4,374 nationally (same basis as /rankings/largest); and #10 of 37 within New Mexico. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.21% and delinquency rate of 0.42%.
How does OTERO compare to other credit unions?
PlainCU's health composite puts OTERO at 90/100, 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 OTERO?
OTERO 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 OTERO directly for the exact boundaries and application steps.
Is my money safe at OTERO?
Federal credit unions like OTERO 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. OTERO's net worth ratio of 15.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does OTERO offer compared to banks?
Credit unions like OTERO 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 OTERO 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.