Federal credit union · Tucumcari, New Mexico · NCUA charter #14758
Quay Schools
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $8.4M
- Total assets
- 1,147
- Members
- 19.6%
- Net-worth ratio
Quay Schools scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.4M; members 1,147; net-worth ratio 19.60%; health rank #1,189 of 4,374; healthier than 69th of scored peers.
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NCUA 5300 Call Report Masthead
#1,189 of 4,374 health · 2025Q4Quay Schools · health 89/100 · $8.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Quay Schools vs every NCUA-scored credit union
Quay Schools sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Where Quay Schools diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 93.90% here, 63.60% peer average (+30.30 pp).
Where Quay Schools sits in New Mexico
- Health composite ranks #18 of 37 among scored New Mexico credit unions.
- New Mexico assets place: #33 of 37.
- Membership ranks #32 of 37 among New Mexico CUs with a reported count (1,147 members).
- One place up in New Mexico, Deming Schools Employees (#17) ties at 89/100; one place down, Chaves County School Employees (#19) scores 88/100, 1 point lower.
Quay Schools Call Report trajectory
Quay Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $8.4M (2025Q4) to $8.4M (2026Q1).
- Net-worth ratio shifted -0.08 pp (19.68% → 19.60%).
19.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Quay Schools gives up 11 points in total. Member Growth costs the most, 9.2 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 5.8 pts
- Loan-to-Share Ratio 13.2 pts
Call Report ratios for Quay Schools
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.60% | +0.54 pp |
| Delinquency Rate | 0.02% | -1.79 pp |
| Return on Assets | 0.94% | +0.48 pp |
| Member Growth | -1.80% | - |
| Loan-to-Share Ratio | 93.90% | +30.30 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Quay Schools quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.4M | - |
| 2025Q4 | $8.4M | 1,147 |
| 2024Q4 | $8.0M | 1,168 |
| 2023Q4 | $7.8M | 1,130 |
Credit Union Details
- Charter Number
- 14758
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- New Mexico
- City
- Tucumcari
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Quay Schools runs one office.
| Office | City |
|---|---|
| Quay Schools FCU (Main Office) | Tucumcari, 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.
Cross-state Call Report peers for Quay Schools
Similar health score
Using this data
- Quay Schools ranks #1,189 of 4,374 nationally on financial health and #18 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Florist is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Florist
Frequently Asked Questions
Is Quay Schools financially healthy?
On its 2025Q4 NCUA 5300 filing, Quay Schools scores 89/100 (Excellent), with a 19.60% net worth ratio and 0.02% of loans delinquent. It ranks #1,189 of 4,374 nationally on health and #18 of 37 in New Mexico.
How does Quay Schools compare to other credit unions?
Quay Schools scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (93.90% vs 63.60%).
How can I join Quay Schools?
Quay Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Quay Schools directly to confirm eligibility.
Is my money safe at Quay Schools?
Quay Schools 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. Quay Schools's net worth ratio of 19.60% 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.