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
- CAMELS 70/100
- HEALTH 10.2%
- NW 0.52%
- DELQ -1.21%
- ROA $5.8M
- ASSETS 722
- MEM #3,603/4,374
- RANK n/a
- PHOTO 61946
Call Report peers
Rincones Presbyterian carries $5.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
70 17th percentile higher than 17% 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
Rincones Presbyterian - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61946. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NM only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Rincones Presbyterian
Rincones Presbyterian: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.0% from $5.8M (2025Q4) to $6.2M (2026Q1).
- Net-worth ratio shifted -0.44 pp (10.59% → 10.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Rincones Presbyterian's nationwide photo peers by assets and by health score, excluding New Mexico charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- 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 Rincones Presbyterian financially healthy?
Rincones Presbyterian has a financial health score of 70/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,603 of 4,374; by total assets it ranks #3,804 of 4,374 nationally (same basis as /rankings/largest); and #35 of 37 within New Mexico. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.15% and delinquency rate of 0.52%.
How does Rincones Presbyterian compare to other credit unions?
70/100 is Rincones Presbyterian's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Rincones Presbyterian 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. Rincones Presbyterian's net worth ratio of 10.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rincones Presbyterian offer compared to banks?
Credit unions like Rincones Presbyterian 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 Rincones Presbyterian 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.