State credit union · Questa, New Mexico · NCUA charter #66252
QUESTA
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $31.3M
- Total assets
- 2,073
- Members
- 22.5%
- Net-worth ratio
QUESTA scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.3M; members 2,073; net-worth ratio 22.46%; health rank #3,142 of 4,374; healthier than 26th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,142 of 4,374 health · 2025Q4QUESTA · health 76/100 · $31.3M · 2025Q4
Call Report peers
QUESTA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
QUESTA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); QUESTA sits in 75-79 with 502 others.
76 26th percentile higher than 26% 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 QUESTA diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +17.20 pp (77.00% vs 59.80%).
- Widest shortfall vs peers is Delinquency Rate: +0.97 pp (2.12% vs 1.15%).
New Mexico standing for QUESTA
- In New Mexico, health place is #28 of 37 on the same NCUA-ratio sort used nationally.
- New Mexico assets place: #26 of 37.
- Member book place in New Mexico: #26 of 37.
- One place up in New Mexico, CUBA (#27) scores 79/100, 3 points higher; one place down, State Employees (#29) scores 71/100, 5 points lower.
QUESTA: 2025Q4 → 2026Q1
QUESTA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $31.3M (2025Q4) to $32.0M (2026Q1).
- Net-worth ratio shifted +0.71 pp (21.75% → 22.46%).
At 22.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
QUESTA gives up 24 points in total. Delinquency Rate costs the most, 13.2 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.8 pts
- Return on Assets 15.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for QUESTA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.46% | +7.60 pp |
| Delinquency Rate | 2.12% | +0.97 pp |
| Return on Assets | 2.02% | +1.31 pp |
| Member Growth | -2.81% | - |
| Loan-to-Share Ratio | 77.00% | +17.20 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - QUESTA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.0M | - |
| 2025Q4 | $31.3M | 2,073 |
| 2024Q4 | $25.8M | 2,133 |
| 2023Q4 | $23.3M | 2,046 |
Credit Union Details
- Charter Number
- 66252
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New Mexico
- City
- Questa
- Data Quarter
- 2025Q4
Branch Locations (3)
QUESTA operates 3 offices in Questa, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Questa Credit Union (Main Office) | Questa, NM |
| Off Site Backup | Questa, NM |
| loan office | Questa, 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.
Other-state peers near QUESTA
Similar total assets
Similar health score
Using this data
- QUESTA ranks #3,142 of 4,374 nationally on financial health and #28 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Los Alamos Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Los Alamos Schools
Frequently Asked Questions
Is QUESTA financially healthy?
On its 2025Q4 NCUA 5300 filing, QUESTA scores 76/100 (Very Good), with a 22.46% net worth ratio and 2.12% of loans delinquent. It ranks #3,142 of 4,374 nationally on health and #28 of 37 in New Mexico.
How does QUESTA compare to other credit unions?
QUESTA scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.00% vs 59.80%). Its widest shortfall is delinquency rate (2.12% vs 1.15%).
How can I join QUESTA?
Membership eligibility for QUESTA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact QUESTA directly for current membership requirements and application steps.
Is my money safe at QUESTA?
QUESTA is a state-chartered 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. QUESTA's net worth ratio of 22.46% 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.