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
Call Report peers
OTERO in the assets neighbourhood
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OTERO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); OTERO sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in New Mexico, SUNWARD (#15) scores 92/100, 2 points higher; one place down, Deming Schools Employees (#17) scores 89/100, 1 point lower.
How OTERO's 5300 filing moved
OTERO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $519.7M (2025Q4) to $532.5M (2026Q1).
- Net-worth ratio shifted +0.06 pp (15.15% → 15.21%).
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
OTERO gives up 10 points in total. Member Growth costs the most, 7.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is OTERO financially healthy?
OTERO has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,066 of 4,374 nationally on health and #16 of 37 in New Mexico. Its net worth ratio is 15.21% and its delinquency rate 0.42%.
How does OTERO compare to other credit unions?
OTERO scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.21% vs 11.18%). Its widest shortfall is loan-to-share ratio (56.89% vs 83.90%).
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?
OTERO 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. OTERO's net worth ratio of 15.21% 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.