State overview · Q4 2025

New Mexico Credit Unions

All 37 federally-insured credit unions in New Mexico, ranked by financial health, from NCUA 5300 Call Reports.

37
Credit unions
1.1M
Members
$20.4B
Combined assets
84/100
Avg health
37 CUs · avg health 84/100

New Mexico has 37 federally insured credit unions averaging 84/100 health on NCUA 5300 Call Report aggregates. Combined assets $20.4B; 25 score Excellent (80+). State leader: Railroad Employees at 100/100.

  • Mean delinquency rank #18 of 52 (lower DQ better)
  • Mean ROA rank #20 of 52
  • Data vintage 2026-09-06

New Mexico vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

37 39th of 54 higher than 15 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How New Mexico's 37 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)25 CUsGood (60–79)10 CUsFair (40–59)2 CUsWeak (<40)0 CUs

New Mexico Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 37 federally insured credit unions in New Mexico, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.01%
National rank #18 of 52 · lower DQ better
Mean ROA
0.65%
National rank #20 of 52
Mean loan-to-share
71.2%
Mean net worth 14.1% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
23.9%
Dispersed book, largest charter holds under 25% of combined New Mexico CU assets · concentration rank #26 of 52 (lower share = more dispersed) · largest by assets on this board: NUSENDA

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). New Mexico is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

New Mexico vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, New Mexico highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0%0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate New Mexico vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%NM - 14.09%, 1.009%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, New Mexico highlighted.

All Credit Unions in New Mexico

Credit Union Health
Railroad Employees Belen 100
ZIA Los Alamos 100
EDDY CARLSBAD 99
ARTESIA Artesia 97
ESTACADO HOBBS 97
Roswell Community Roswell 97
Del Norte Los Alamos 96
CANNON CLOVIS 95
EVERYONE'S Tucumcari 95
GUADALUPE Santa Fe 94
Los Alamos Schools Los Alamos 94
Mt Taylor MILAN 94
U-1st Community Carlsbad 93
NUSENDA ALBUQUERQUE 92
SUNWARD Albuquerque 92
OTERO Alamogordo 90
Deming Schools Employees DEMING 89
Quay Schools Tucumcari 89
Chaves County School Employees Roswell 88
Financial Security CARLSBAD 87
First Financial Albuquerque 84
Northern New Mexico School Employee SANTA FE 84
White Sands LAS CRUCES 84
INTERNATIONALITES CARLSBAD 82
Sandia Area Albuquerque 81
CUBA CUBA 79
Four Corners Kirtland 79
QUESTA Questa 76
Rio Grande Albuquerque 71
State Employees Santa Fe 71
Rincones Presbyterian CHACON 70
KIRTLAND ALBUQUERQUE 68
The Florist ROSWELL 66
High Desert Community Aztec 63
LOCO ALAMOGORDO 62
U.S. Eagle Albuquerque 57
Jemez Valley JEMEZ SPRINGS 55

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in New Mexico

New Mexico is home to 37 federally-insured credit unions collectively serving 1.1M members with $20.4B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 84/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Railroad Employees of Belen currently leads the cohort with a health score of 100/100, while the full distribution spans 37 institutions ranked below.

The health distribution breaks into four bands: 25 credit unions score 80–100 (Excellent), 10 score 60–79 (Good), 2 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across New Mexico's 37 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for New Mexico: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($20.4B here).

Oklahoma $21.5B Missouri $18.9B Hawaii $17.0B Louisiana $16.9B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (37 here).

Arizona 33 CUs Montana 41 CUs South Dakota 33 CUs District of Columbia 29 CUs

Frequently Asked Questions

How many credit unions are in New Mexico?

There are 37 federally-insured credit unions in New Mexico as of Q4 2025, with a combined 1.1M members and $20.4B in total assets. That places New Mexico at #28 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, New Mexico ranks #14 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in New Mexico?

Based on NCUA Q4 2025 data, Railroad Employees in Belen ranks highest in New Mexico with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using New Mexico's data

  • Railroad Employees in Belen is the healthiest scored credit union in New Mexico at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • New Mexico's credit unions rank #18 of 52 nationally on delinquency rate (among the lowest) and #20 of 52 on return on assets (mid-pack) -- both factor into the health score above, but they can move independently. National health rankings
  • New Mexico ranks #14 of 54 by average health score and #28 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.