Federal credit union · Amarillo, Texas · NCUA charter #9971
Santa Fe
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $219.1M
- Total assets
- 13,446
- Members
- 12.6%
- Net-worth ratio
Santa Fe scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $219.1M; members 13,446; net-worth ratio 12.58%; health rank #622 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#622 of 4,374 health · 2025Q4Santa Fe · health 93/100 · $219.1M · 2025Q4
- DELQ 93/100
- ROA 12.6%
- ASSETS 0.54%
- MEM 0.21%
- RANK $219.1M
- PHOTO 13,446
- BOOK #622/4,374
- CHARTER Northern Skies
- NCUSIF 9971
Call Report peers
Santa Fe in the assets neighbourhood
Santa Fe's $219.1M assets sit next to Northern Skies ($218.8M) 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.
Santa Fe 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
93 Top 16% higher than 84% 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
Santa Fe - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9971: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Santa Fe: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 12.58% here, 12.11% peer average (+0.47 pp).
- Loan-to-Share Ratio trails the peer set - 69.07% here, 72.20% peer average (-3.13 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Santa Fe: in-state Call Report ranks
- In Texas, health place is #56 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #99 of 386.
- Texas membership ordinal: #107 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Santa Fe Call Report trajectory
Santa Fe: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $219.1M (2025Q4) to $221.7M (2026Q1).
- Net-worth ratio shifted +0.03 pp (12.55% → 12.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 10.7 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 15.0 pts
Santa Fe vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.58% | +0.47 pp |
| Delinquency Rate | 0.54% | -0.35 pp |
| Return on Assets | 0.21% | -0.41 pp |
| Member Growth | 3.07% | - |
| Loan-to-Share Ratio | 69.07% | -3.13 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Santa Fe quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $221.7M | - |
| 2025Q4 | $219.1M | 13,446 |
| 2024Q4 | $198.8M | 13,046 |
| 2023Q4 | $210.0M | 13,378 |
Credit Union Details
- Charter Number
- 9971
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Amarillo
- Data Quarter
- 2025Q4
Branch Locations (6)
Santa Fe operates 6 offices across 6 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hillside Branch (Main Office) | Amarillo, TX |
| Albuquerque Branch | ALBUQUERQUE, NM |
| Downtown Branch | AMARILLO, TX |
| Borger Federal Credit Union | Borger, TX |
| Lubbock Branch | Lubbock, TX |
| Pampa Branch Office | Pampa, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Santa Fe
Cross-state asset and health neighbours for Santa Fe - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($219.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Santa Fe ranks #622 of 4,374 nationally on financial health and #56 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Harris County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Harris County
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Santa Fe financially healthy?
A 12.58% net worth ratio and a 0.54% delinquency rate feed into Santa Fe's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #622 of 4,374; by total assets it ranks #1,215 of 4,374 nationally (same basis as /rankings/largest); and #99 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Santa Fe compare to other credit unions?
PlainCU's health composite puts Santa Fe at 93/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Santa Fe?
Santa Fe 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 Santa Fe directly for the exact boundaries and application steps.
Is my money safe at Santa Fe?
Federal credit unions like Santa Fe 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. Santa Fe's net worth ratio of 12.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Santa Fe offer compared to banks?
Credit unions like Santa Fe 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 Santa Fe 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.