State credit union · CHACON, New Mexico · NCUA charter #61946
Rincones Presbyterian
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $5.8M
- Total assets
- 722
- Members
- 10.2%
- Net-worth ratio
Rincones Presbyterian scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.8M; members 722; net-worth ratio 10.15%; health rank #3,603 of 4,374; healthier than 17th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,603 of 4,374 health · 2025Q4Rincones Presbyterian · health 70/100 · $5.8M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Rincones Presbyterian vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Rincones Presbyterian sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Rincones Presbyterian
- Loan-to-Share Ratio leads the peer set - 94.55% here, 63.60% peer average (+30.95 pp).
- Net Worth Ratio trails the peer set - 10.15% here, 19.06% peer average (-8.91 pp).
New Mexico standing for Rincones Presbyterian
- In New Mexico, health place is #31 of 37 on the same NCUA-ratio sort used nationally.
- By total assets, Rincones Presbyterian is #35 of 37 in New Mexico.
- New Mexico membership ordinal: #35 of 37.
- One place up in New Mexico, Rio Grande (#30) scores 71/100, 1 point higher; one place down, KIRTLAND (#32) scores 68/100, 2 points lower.
Quarter path for Rincones Presbyterian
Rincones Presbyterian: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.0% from $5.8M (2025Q4) to $6.2M (2026Q1).
- Net-worth ratio shifted -0.44 pp (10.59% → 10.15%).
At 10.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
Rincones Presbyterian gives up 30 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 0.0 pts
- Member Growth 2.7 pts
- Loan-to-Share Ratio 12.5 pts
Call Report ratios for Rincones Presbyterian
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.15% | -8.91 pp |
| Delinquency Rate | 0.52% | -1.29 pp |
| Return on Assets | -1.21% | -1.67 pp |
| Member Growth | -3.48% | - |
| Loan-to-Share Ratio | 94.55% | +30.95 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Rincones Presbyterian filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.2M | - |
| 2025Q4 | $5.8M | 722 |
| 2024Q4 | $5.0M | 748 |
| 2023Q4 | $5.3M | 804 |
Credit Union Details
- Charter Number
- 61946
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- New Mexico
- City
- CHACON
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Rincones Presbyterian, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Chacon, NM |
| IT Joseph Lopez | Buena Vista, NM |
| Disaster Recovery Site | Mora, 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.
Nationwide credit unions with similar profiles
Using this data
- Rincones Presbyterian ranks #3,603 of 4,374 nationally on financial health and #31 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Deming Schools Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Deming Schools Employees
Frequently Asked Questions
Is Rincones Presbyterian financially healthy?
On its 2025Q4 NCUA 5300 filing, Rincones Presbyterian scores 70/100 (Very Good), with a 10.15% net worth ratio and 0.52% of loans delinquent. It ranks #3,603 of 4,374 nationally on health and #31 of 37 in New Mexico.
How does Rincones Presbyterian compare to other credit unions?
Rincones Presbyterian scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (94.55% vs 63.60%). Its widest shortfall is net worth ratio (10.15% vs 19.06%).
How can I join Rincones Presbyterian?
Membership eligibility for Rincones Presbyterian depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Rincones Presbyterian directly for current membership requirements and application steps.
Is my money safe at Rincones Presbyterian?
Rincones Presbyterian 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. Rincones Presbyterian's net worth ratio of 10.15% 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.