Federal credit union · Albuquerque, New Mexico · NCUA charter #11316
Sandia Area
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $1.39B
- Total assets
- 69,356
- Members
- 11.2%
- Net-worth ratio
Sandia Area scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.39B; members 69,356; net-worth ratio 11.23%; health rank #2,611 of 4,374; healthier than 39th of scored peers.
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NCUA 5300 Call Report Masthead
#2,611 of 4,374 health · 2025Q4Sandia Area · health 81/100 · $1.39B · 2025Q4
Call Report peers
Sandia Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sandia Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Sandia Area sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Sandia Area: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +14.61 pp (98.51% vs 83.90%).
New Mexico standing for Sandia Area
- Health composite ranks #25 of 37 among scored New Mexico credit unions.
- New Mexico assets place: #5 of 37.
- New Mexico membership ordinal: #5 of 37.
- One place up in New Mexico, INTERNATIONALITES (#24) scores 82/100, 1 point higher; one place down, Four Corners (#26) scores 79/100, 2 points lower.
Sandia Area: 2025Q4 → 2026Q1
Sandia Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $1.39B (2025Q4) to $1.41B (2026Q1).
- Net-worth ratio shifted +0.12 pp (11.11% → 11.23%).
11.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Sandia Area gives up 19 points in total. Member Growth costs the most, 15 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 0.0 pts
- Loan-to-Share Ratio 11.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.23% | +0.05 pp |
| Delinquency Rate | 0.20% | -0.68 pp |
| Return on Assets | 0.75% | +0.25 pp |
| Member Growth | -25.61% | - |
| Loan-to-Share Ratio | 98.51% | +14.61 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.41B | - |
| 2025Q4 | $1.39B | 69,356 |
| 2024Q4 | $1.25B | 93,236 |
| 2023Q4 | $1.18B | 85,230 |
Credit Union Details
- Charter Number
- 11316
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New Mexico
- City
- Albuquerque
- Data Quarter
- 2025Q4
Branch Locations (8)
Sandia Area operates 8 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Far NE Heights (Main Office) | Albuquerque, NM |
| Kirtland | Albuquerque, NM |
| Candelaria | Albuquerque, NM |
| Westside | Albuquerque, NM |
| Montgomery | Albuquerque, NM |
| Operations Center | Albuquerque, NM |
| Rio Rancho | Rio Rancho, NM |
| Santa Fe | Santa Fe, 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 Sandia Area
Similar total assets
Using this data
- Sandia Area ranks #2,611 of 4,374 nationally on financial health and #25 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Del Norte is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Del Norte
Frequently Asked Questions
Is Sandia Area financially healthy?
On its 2025Q4 NCUA 5300 filing, Sandia Area scores 81/100 (Excellent), with a 11.23% net worth ratio and 0.20% of loans delinquent. It ranks #2,611 of 4,374 nationally on health and #25 of 37 in New Mexico.
How does Sandia Area compare to other credit unions?
Sandia Area scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (98.51% vs 83.90%).
How can I join Sandia Area?
Sandia Area operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Sandia Area directly for the exact boundaries and application steps.
Is my money safe at Sandia Area?
Sandia Area 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. Sandia Area's net worth ratio of 11.23% 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.