State credit union · Los Alamos, New Mexico · NCUA charter #60467
ZIA
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $260.6M
- Total assets
- 13,959
- Members
- 11.6%
- Net-worth ratio
ZIA scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $260.6M; members 13,959; net-worth ratio 11.55%; health rank #20 of 4,374; healthier than 99th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#20 of 4,374 health · 2025Q4ZIA · health 100/100 · $260.6M · 2025Q4
- CAMELS 100/100
- HEALTH 11.6%
- NW 0.39%
- DELQ 0.48%
- ROA $260.6M
- ASSETS 13,959
- MEM #20/4,374
- RANK Blue Eagle
- PHOTO 60467
Call Report peers
ZIA in the assets neighbourhood
ZIA's $260.6M assets sit next to Blue Eagle ($260.7M) 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.
ZIA 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
100 Top 1% higher than 99% 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
ZIA - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60467: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where ZIA diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +13.31 pp (85.51% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -0.56 pp (11.55% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Mexico standing for ZIA
- Health composite ranks #1 of 37 among scored New Mexico credit unions.
- New Mexico assets place: #13 of 37.
- Member book place in New Mexico: #13 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.
How ZIA's 5300 filing moved
ZIA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.0% from $260.6M (2025Q4) to $273.6M (2026Q1).
- Net-worth ratio shifted +3.43 pp (8.12% → 11.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.7 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
ZIA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.55% | -0.56 pp |
| Delinquency Rate | 0.39% | -0.51 pp |
| Return on Assets | 0.48% | -0.14 pp |
| Member Growth | 7.41% | - |
| Loan-to-Share Ratio | 85.51% | +13.31 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).
ZIA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $273.6M | - |
| 2025Q4 | $260.6M | 13,959 |
| 2024Q4 | $237.4M | 12,996 |
| 2023Q4 | $222.4M | 12,510 |
Credit Union Details
- Charter Number
- 60467
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- New Mexico
- City
- Los Alamos
- Data Quarter
- 2025Q4
Branch Locations (3)
ZIA operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Los Alamos, NM |
| Espanola Branch | Espanola, NM |
| Santa Fe Office | Santa Fe, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
Other federally-insured credit unions in New Mexico, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for ZIA - kept outside New Mexico; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($260.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- ZIA ranks #20 of 4,374 nationally on financial health and #1 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GUADALUPE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GUADALUPE
- 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 ZIA financially healthy?
Yes/no aside, the number is 100/100 (Excellent) - ZIA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #20 of 4,374; by total assets it ranks #1,112 of 4,374 nationally (same basis as /rankings/largest); and #13 of 37 within New Mexico. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.55% net worth ratio and 0.39% delinquency rate are the key drivers.
How does ZIA compare to other credit unions?
PlainCU's health composite puts ZIA at 100/100, 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 ZIA?
Membership eligibility for ZIA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ZIA directly for current membership requirements and application steps.
Is my money safe at ZIA?
Federal credit unions like ZIA 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. ZIA's net worth ratio of 11.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ZIA offer compared to banks?
Credit unions like ZIA 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 ZIA 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.