Credit Union Safety Analysis
Is Del Norte Credit Union Safe? Santa Fe, New Mexico
Based on its Q2 2026 NCUA 5300 call report, Del Norte Credit Union has a net worth ratio of 9.43%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.45%, 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, Del Norte Credit Union's net worth ratio is 9.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.43%
- Delinquency ratio (60+ days) (Q2 2026): 0.45%
- Return on assets (Q2 2026): 0.60%
- Loan-to-share ratio (Q2 2026): 75.54%
Del Norte Credit Union (NCUA charter 64759, established 1954) reported $1.51B in assets and 68,538 members for Q2 2026 from Santa Fe, New Mexico. It ranks 3 of 37 credit unions in New Mexico by total assets. Total assets grew 8.1% from $1.39B on June 30, 2025. It has 1,974 more members than on June 30, 2025 (+3.0%). Its net worth ratio was up 0.16 percentage points from 9.27% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $396.4M of $1.02B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.45% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.50% for Q1 2026; 9.27% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.52% for Q1 2026; 0.49% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.98% for Q1 2026; 1.18% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 75.19% for Q1 2026; 76.14% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $396.4M
- New vehicle loans: $283.4M
- Used vehicle loans: $230.7M
- Other unsecured loans and lines of credit: $38.3M
- Unsecured credit card loans: $30.1M
- Commercial loans: $23.5M
- Other secured non-real estate loans and lines of credit: $16.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.51B | 9.43% | 0.45% | 0.60% | 75.54% |
| March 31, 2026 | $1.47B | 9.50% | 0.52% | 0.98% | 75.19% |
| December 31, 2025 | $1.42B | 9.64% | 0.69% | 1.27% | 76.33% |
| September 30, 2025 | $1.39B | 9.51% | 0.48% | 0.97% | 77.48% |
| June 30, 2025 | $1.39B | 9.27% | 0.49% | 1.18% | 76.14% |
| March 31, 2025 | $1.39B | 9.01% | 0.49% | 0.80% | 75.11% |
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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.
Del Norte Credit Union profile
Regulator records: NCUA credit union profile (charter 64759) · FFIEC NIC profile (RSSD 857398)
Frequently asked questions
Is Del Norte Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Del Norte Credit Union's net worth ratio is 9.43%, above the 7% NCUA threshold for well capitalized.
Is Del Norte Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Del Norte Credit Union is a federally insured credit union (NCUA charter 64759): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Del Norte Credit Union's key safety ratios?
For Q2 2026, Del Norte Credit Union reports net worth 9.43%, delinquency 0.45%, ROA 0.60%, loan-to-share 75.54%.
What happens to my money if Del Norte Credit Union fails?
For Q2 2026, Del Norte Credit Union held $1.35B in shares and deposits for 68,538 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.