Credit Union Safety Analysis
Is Guadalupe Credit Union Safe? Santa Fe, New Mexico
Based on its Q2 2026 NCUA 5300 call report, Guadalupe Credit Union has a net worth ratio of 12.51%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.57%, 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, Guadalupe Credit Union's net worth ratio is 12.51%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.51%
- Delinquency ratio (60+ days) (Q2 2026): 1.57%
- Return on assets (Q2 2026): 1.32%
- Loan-to-share ratio (Q2 2026): 71.01%
Guadalupe Credit Union (NCUA charter 66149, established 1947) reported $348.2M in assets and 31,883 members for Q2 2026 from Santa Fe, New Mexico. It ranks 12 of 37 credit unions in New Mexico by total assets. Total assets grew 4.9% from $331.8M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.17% for Q1 2026; 11.68% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.35% for Q1 2026; 1.05% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.69% for Q1 2026; 2.11% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 69.36% for Q1 2026; 66.33% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $80.2M
- Used vehicle loans: $73.5M
- Other secured non-real estate loans and lines of credit: $29.4M
- Other unsecured loans and lines of credit: $13.4M
- New vehicle loans: $13.2M
- Unsecured credit card loans: $3.4M
- Commercial loans: $59K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $348.2M | 12.51% | 1.57% | 1.32% | 71.01% |
| March 31, 2026 | $348.6M | 12.17% | 1.35% | 0.69% | 69.36% |
| December 31, 2025 | $336.2M | 12.44% | 1.09% | 2.60% | 71.76% |
| September 30, 2025 | $335.3M | 11.84% | 1.19% | 1.12% | 67.59% |
| June 30, 2025 | $331.8M | 11.68% | 1.05% | 2.11% | 66.33% |
| March 31, 2025 | $322.2M | 11.64% | 1.41% | 0.99% | 66.89% |
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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.
Guadalupe Credit Union profile
Regulator records: NCUA credit union profile (charter 66149) · FFIEC NIC profile (RSSD 736194)
Frequently asked questions
Is Guadalupe Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Guadalupe Credit Union's net worth ratio is 12.51%, above the 7% NCUA threshold for well capitalized.
Is Guadalupe Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Guadalupe Credit Union is a federally insured credit union (NCUA charter 66149): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Guadalupe Credit Union's key safety ratios?
For Q2 2026, Guadalupe Credit Union reports net worth 12.51%, delinquency 1.57%, ROA 1.32%, loan-to-share 71.01%.
What happens to my money if Guadalupe Credit Union fails?
For Q2 2026, Guadalupe Credit Union held $299.9M in shares and deposits for 31,883 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.