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
- CHARTER 76/100
- NCUSIF 22.5%
- CAMELS 2.12%
- HEALTH 2.02%
- NW $31.3M
- DELQ 2,073
- ROA #3,142/4,374
- ASSETS CHHE
- MEM 66252
Call Report peers
QUESTA in the assets neighbourhood
QUESTA's $31.3M assets sit next to CHHE ($31.3M) 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.
QUESTA 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
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
QUESTA - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66252 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NM only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
QUESTA: 2025Q4 → 2026Q1
QUESTA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $31.3M (2025Q4) to $32.0M (2026Q1).
- Net-worth ratio shifted +0.71 pp (21.75% → 22.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for QUESTA, both outside New Mexico so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- 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 QUESTA financially healthy?
QUESTA scores 76/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,142 of 4,374; by total assets it ranks #2,820 of 4,374 nationally (same basis as /rankings/largest); and #26 of 37 within New Mexico. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.46% net worth ratio and a 2.12% delinquency rate.
How does QUESTA compare to other credit unions?
Five weighted metrics from NCUA filings produce QUESTA's 76/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like QUESTA 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. QUESTA's net worth ratio of 22.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does QUESTA offer compared to banks?
Credit unions like QUESTA 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 QUESTA 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.