High Desert Community Credit Union Aztec, New Mexico
High Desert Community Credit Union is a state-chartered credit union headquartered in Aztec, NM, established in 1956 (NCUA charter 66185), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,848 members and total assets of $18.3M (up 8.8% from Q2 2025), the 29th largest of 37 credit unions headquartered in New Mexico. Its net worth ratio was 12.95% at Q2 2026, in the well capitalized band.
Also written as High Desert Community 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
- 66185
- Headquarters
- Aztec, NM
- Established
- 1956
- Total assets, Q2 2026
- $18.3M
- Assets vs Q2 2025
- +8.8%
- Members, Q2 2026
- 1,848
- Net worth ratio, Q2 2026
- 12.95%
- Latest call report
- Q2 2026, NCUA 5300 · High Desert Community Credit Union call report
- Asset rank in state
- 29th of 37 in New Mexico
- Routing number
- 302283994
- Branches
- 1
It has 141 fewer members than on June 30, 2025 (-7.1%). Its net worth ratio was down 0.69 percentage points from 13.64% on June 30, 2025. Used vehicle loans are its largest loan category, $2.5M of $7.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.95% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.95% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New Mexico
Credit unions merged into High Desert Community Credit Union
Frequently asked about High Desert Community Credit Union
How big is High Desert Community Credit Union?
At Q2 2026 it reported total assets of $18.3M and 1,848 members.
Where is High Desert Community Credit Union headquartered?
It is headquartered in Aztec, NM, United States.
When was High Desert Community Credit Union founded?
It was established in 1956, per NCUA records.
Is High Desert Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66185): 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 High Desert Community 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 High Desert Community Credit Union well capitalized?
Its net worth ratio was 12.95% 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 High Desert Community Credit Union's delinquency ratio?
Its delinquency ratio was 1.95% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is High Desert Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 44.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Aztec, NM 87410
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 66185
- RSSD ID
- 734097
- Members
- 1,848
- Potential members
- 3,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.95% | 14.31% | 39th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.46% | 0.72% | 39th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.58% | 4.74% | 42nd below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.11% | 3.93% | 20th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.53% | 0.78% | 16th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.95% | 0.86% | 25th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.65% | 4.70% | 47th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 44.13% | 58.92% | 28th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$18.3M total assets against $16.8M; $15.9M total shares and deposits against $14.6M; $7.0M total loans against $9.3M.
$2.4M net worth against $2.3M.
12.95% net worth ratio against 13.64%.
44.13% loan-to-share ratio against 63.74%.
1.95% delinquency ratio against 1.65%.
0.46% return on assets against -0.39%; 3.58% return on equity against -2.83%.
3.11% net interest margin against 3.83%.
1,848 members against 1,989.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.95% | 0.46% | 1.95% | 44.13% |
| March 31, 2026 | 13.33% | 1.56% | 1.68% | 48.06% |
| December 31, 2025 | 13.26% | 0.64% | 0.81% | 54.89% |
| September 30, 2025 | 13.77% | 0.46% | 1.69% | 63.10% |
| June 30, 2025 | 13.64% | -0.39% | 1.65% | 63.74% |
| March 31, 2025 | 13.55% | 0.10% | 1.89% | 60.69% |
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.