Credit Union Safety Analysis
Is Deming School Employee Credit Union Safe? Deming, New Mexico
Based on its Q2 2026 NCUA 5300 call report, Deming School Employee Credit Union has a net worth ratio of 24.76%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.11%, 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, Deming School Employee Credit Union's net worth ratio is 24.76%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 24.76%
- Delinquency ratio (60+ days) (Q2 2026): 0.11%
- Return on assets (Q2 2026): -0.54%
- Loan-to-share ratio (Q2 2026): 40.54%
Deming School Employee Credit Union (NCUA charter 61559, established 1954) reported $5.4M in assets and 872 members for Q2 2026 from Deming, New Mexico. It ranks 36 of 37 credit unions in New Mexico by total assets. Total assets fell 3.6% from $5.6M on June 30, 2025. It has 19 more members than on June 30, 2025 (+2.2%). Its net worth ratio was up 1.62 percentage points from 23.14% on June 30, 2025. Used vehicle loans are its largest loan category, $623K of $1.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.11% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
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: 24.50% for Q1 2026; 23.14% 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: 2.02% for Q1 2026; 0.02% 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: 1.68% for Q1 2026; 0.87% 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: 46.57% for Q1 2026; 51.81% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $623K
- Other unsecured loans and lines of credit: $579K
- New vehicle loans: $335K
- Other secured non-real estate loans and lines of credit: $103K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.4M | 24.76% | 0.11% | -0.54% | 40.54% |
| March 31, 2026 | $5.4M | 24.50% | 2.02% | 1.68% | 46.57% |
| December 31, 2025 | $5.5M | 23.85% | 0.99% | 0.98% | 51.41% |
| September 30, 2025 | $5.5M | 23.92% | 1.13% | 1.41% | 53.51% |
| June 30, 2025 | $5.6M | 23.14% | 0.02% | 0.87% | 51.81% |
| March 31, 2025 | $5.6M | 23.03% | 0.16% | 0.89% | 57.20% |
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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.
Deming School Employee Credit Union profile
Regulator records: NCUA credit union profile (charter 61559) · FFIEC NIC profile (RSSD 911290)
Frequently asked questions
Is Deming School Employee Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Deming School Employee Credit Union's net worth ratio is 24.76%, above the 7% NCUA threshold for well capitalized.
Is Deming School Employee Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Deming School Employee Credit Union is a federally insured credit union (NCUA charter 61559): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Deming School Employee Credit Union's key safety ratios?
For Q2 2026, Deming School Employee Credit Union reports net worth 24.76%, delinquency 0.11%, ROA -0.54%, loan-to-share 40.54%.
What happens to my money if Deming School Employee Credit Union fails?
For Q2 2026, Deming School Employee Credit Union held $4.0M in shares and deposits for 872 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.