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New Mexico Credit Union Performance
How the 37 credit unions based in New Mexico are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
New Mexico's 37 credit unions serve 1,143,823 members and hold $20.71B in combined assets. The median New Mexico credit union earned a 0.77% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among New Mexico credit unions was 0.35%, compared with -0.55% nationally. Median one-year asset growth was 4.37%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
New Mexico at a glance
New Mexico vs. the United States
System totals are the sum of every credit union based in New Mexico. The share column is New Mexico's portion of the national figure.
| Measure | New Mexico | United States | New Mexico share |
|---|---|---|---|
| Credit unions | 37 | 4,335 | 0.9% |
| Members | 1,143,823 | 147,031,529 | 0.8% |
| Residents (population) | 2,130,256 | 340,110,988 | 0.6% |
| Total assets | $20.71B | $2,507.50B | 0.8% |
| Total loans | $14.01B | $1,744.86B | 0.8% |
| Total shares & deposits | $17.70B | $2,143.21B | 0.8% |
| Total net worth | $2.05B | $282.23B | 0.7% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. New Mexico credit unions report about 54 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large New Mexico credit unions serve members in other states, so it overstates true in-state penetration.)
The median New Mexico credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median New Mexico CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.77% | 0.66% |
| Net worth ratio | 13.23% | 12.44% |
| Loan-to-share ratio | 70.56% | 67.86% |
| Delinquency ratio | 0.53% | 0.63% |
| Net charge-off ratio | 0.44% | 0.33% |
| Cost of funds | 1.04% | 1.05% |
| Member growth (1 yr) | 0.35% | -0.55% |
| Asset growth (1 yr) | 4.37% | 2.78% |
| Loan growth (1 yr) | 1.81% | 0.63% |
| Share growth (1 yr) | 3.01% | 2.36% |
| Net worth growth (1 yr) | 6.44% | 5.57% |
Trends over time
The median New Mexico credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 1.02% · 0.72%
— New Mexico ‑‑ U.S.
Net worth ratio 13.26% · 12.46%
— New Mexico ‑‑ U.S.
Loan-to-share ratio 72.54% · 69.70%
— New Mexico ‑‑ U.S.
Delinquency ratio 0.60% · 0.72%
— New Mexico ‑‑ U.S.
Asset growth (1 yr) 4.51% · 3.26%
— New Mexico ‑‑ U.S.
Member growth (1 yr) 0.95% · -0.52%
— New Mexico ‑‑ U.S.
New Mexico leaderboards
Largest by assets
- 1 New Mexico Educators Credit Union $4.97B
- 2 Sandia Laboratory Credit Union $4.55B
- 3 U.S. New Mexico Credit Union $1.48B
- 4 Del Norte Credit Union $1.47B
- 5 Sandia Area Credit Union $1.41B
- 6 State Employees Credit Union $1.31B
- 7 First Financial Credit Union $1.13B
- 8 Kirtland Credit Union $1.11B
- 9 Rio Grande Credit Union $665.9M
- 10 Otero Credit Union $532.5M
Highest return on assets
- 1 Roswell Community Credit Union 2.73%
- 2 Hobbs Municipal Schools Credit Union 1.81%
- 3 Otero Credit Union 1.72%
- 4 Belen Railway Employees Credit Union 1.43%
- 5 Artesia School Employees Credit Union 1.26%
- 6 Sandia Area Credit Union 1.26%
- 7 Carlsbad School Employees Credit Union 1.10%
- 8 Del Norte Credit Union 1.01%
- 9 White Sands Credit Union 0.98%
- 10 Cannon Credit Union 0.77%
Fastest-growing (organic)
- 1 Zia Credit Union 10.64%
- 2 Guadalupe Credit Union 8.18%
- 3 Sandia Area Credit Union 8.02%
- 4 Sandia Laboratory Credit Union 7.07%
- 5 Hobbs Municipal Schools Credit Union 6.85%
- 6 Eddy Credit Union 6.84%
- 7 Del Norte Credit Union 5.93%
- 8 Otero Credit Union 5.88%
- 9 New Mexico Educators Credit Union 5.52%
- 10 Carlsbad School Employees Credit Union 5.09%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in New Mexico that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.