Guadalupe Credit Union Santa Fe, New Mexico
Guadalupe Credit Union is a state-chartered credit union headquartered in Santa Fe, NM, established in 1947 (NCUA charter 66149), and it is regulated and insured by the NCUA. At Q2 2026 it reported 31,883 members and total assets of $348.2M (up 4.9% from Q2 2025), the 12th largest of 37 credit unions headquartered in New Mexico. Its net worth ratio was 12.51% at Q2 2026, in the well capitalized band.
Also written as Guadalupe CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66149
- Headquarters
- Santa Fe, NM
- Established
- 1947
- Total assets, Q2 2026
- $348.2M
- Assets vs Q2 2025
- +4.9%
- Members, Q2 2026
- 31,883
- Net worth ratio, Q2 2026
- 12.51%
- Latest call report
- Q2 2026, NCUA 5300 · Guadalupe Credit Union call report
- Asset rank in state
- 12th of 37 in New Mexico
- Routing number
- 307084347
- Branches
- 8
It has 1,345 more members than on June 30, 2025 (+4.4%). Its net worth ratio was up 0.83 percentage points from 11.68% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $80.2M of $213.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.57% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.51% net worth ratio is above that band's 11.43% median.
Credit unions merged into Guadalupe Credit Union
St. Gertrude's Credit Union (2016)
Frequently asked about Guadalupe Credit Union
How big is Guadalupe Credit Union?
At Q2 2026 it reported total assets of $348.2M and 31,883 members.
Where is Guadalupe Credit Union headquartered?
It is headquartered in Santa Fe, NM, United States.
When was Guadalupe Credit Union founded?
It was established in 1947, per NCUA records.
Is Guadalupe Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66149): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Guadalupe Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Guadalupe Credit Union well capitalized?
Its net worth ratio was 12.51% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Guadalupe Credit Union's delinquency ratio?
Its delinquency ratio was 1.57% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Guadalupe Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 71.01% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Santa Fe, NM 87507
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1947
- NCUA Charter #
- 66149
- RSSD ID
- 736194
- Members
- 31,883
- Potential members
- 256,614
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 12.51% | 11.43% | 63rd above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.32% | 0.81% | 78th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 10.57% | 7.02% | 79th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.89% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 75.96% | 76.55% | 52nd above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.94% | 1.24% | 73rd above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.57% | 0.68% | 14th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.82% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 71.01% | 75.66% | 41st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$348.2M total assets against $331.8M; $299.9M total shares and deposits against $289.3M; $213.0M total loans against $191.9M.
$43.6M net worth against $38.8M.
12.51% net worth ratio against 11.68%.
71.01% loan-to-share ratio against 66.33%.
1.57% delinquency ratio against 1.05%.
1.32% return on assets against 2.11%; 10.57% return on equity against 18.08%.
4.89% net interest margin against 4.77%.
31,883 members against 30,538.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.51% | 1.32% | 1.57% | 71.01% |
| March 31, 2026 | 12.17% | 0.69% | 1.35% | 69.36% |
| December 31, 2025 | 12.44% | 2.60% | 1.09% | 71.76% |
| September 30, 2025 | 11.84% | 1.12% | 1.19% | 67.59% |
| June 30, 2025 | 11.68% | 2.11% | 1.05% | 66.33% |
| March 31, 2025 | 11.64% | 0.99% | 1.41% | 66.89% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.