Credit Union Safety Analysis
Is Cuba Credit Union Safe? Cuba, New Mexico
Based on its Q2 2026 NCUA 5300 call report, Cuba Credit Union has a net worth ratio of 18.39%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Cuba Credit Union's net worth ratio is 18.39%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.39%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.93%
- Loan-to-share ratio (Q2 2026): 37.31%
Cuba Credit Union (NCUA charter 66097, established 1972) reported $23.5M in assets and 1,406 members for Q2 2026 from Cuba, New Mexico. It ranks 28 of 37 credit unions in New Mexico by total assets. Total assets fell 1.2% from $23.7M on June 30, 2025. It has 50 fewer members than on June 30, 2025 (-3.4%). Its net worth ratio was up 1.23 percentage points from 17.16% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.9M of $7.1M in total loans on its June 30, 2026 filing.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 18.03% for Q1 2026; 17.16% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.30% for Q1 2026; 0.13% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.90% for Q1 2026; 1.23% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 36.22% for Q1 2026; 35.27% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.9M
- Other secured non-real estate loans and lines of credit: $2.0M
- Used vehicle loans: $1.0M
- New vehicle loans: $746K
- Other unsecured loans and lines of credit: $388K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $23.5M | 18.39% | — | 0.93% | 37.31% |
| March 31, 2026 | $23.6M | 18.03% | 0.30% | 0.90% | 36.22% |
| December 31, 2025 | $23.7M | 17.78% | 0.15% | 0.98% | 34.32% |
| September 30, 2025 | $23.4M | 17.73% | — | 1.27% | 35.04% |
| June 30, 2025 | $23.7M | 17.16% | 0.13% | 1.23% | 35.27% |
| March 31, 2025 | $23.2M | 17.21% | — | 2.50% | 35.79% |
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Free to use. It shows Cuba Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 66097) · FFIEC NIC profile (RSSD 733595)
Frequently asked questions
Is Cuba Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Cuba Credit Union's net worth ratio is 18.39%, above the 7% NCUA threshold for well capitalized.
Is Cuba Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Cuba Credit Union is a federally insured credit union (NCUA charter 66097): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Cuba Credit Union's key safety ratios?
For Q2 2026, Cuba Credit Union reports net worth 18.39%, delinquency not reported, ROA 0.93%, loan-to-share 37.31%.
What happens to my money if Cuba Credit Union fails?
For Q2 2026, Cuba Credit Union held $19.1M in shares and deposits for 1,406 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.