Credit Union Safety Analysis
Is High Desert Community Credit Union Safe? Aztec, New Mexico
Based on its Q2 2026 NCUA 5300 call report, High Desert Community Credit Union has a net worth ratio of 12.95%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.95%, 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, High Desert Community Credit Union's net worth ratio is 12.95%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.95%
- Delinquency ratio (60+ days) (Q2 2026): 1.95%
- Return on assets (Q2 2026): 0.46%
- Loan-to-share ratio (Q2 2026): 44.13%
High Desert Community Credit Union (NCUA charter 66185, established 1956) reported $18.3M in assets and 1,848 members for Q2 2026 from Aztec, New Mexico. It ranks 29 of 37 credit unions in New Mexico by total assets. Total assets grew 8.8% from $16.8M on June 30, 2025. 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.
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: 13.33% for Q1 2026; 13.64% 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: 1.68% for Q1 2026; 1.65% 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: 1.56% for Q1 2026; -0.39% 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: 48.06% for Q1 2026; 63.74% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.5M
- 1- to 4-family residential and other consumer real estate loans: $2.5M
- Other secured non-real estate loans and lines of credit: $1.2M
- New vehicle loans: $585K
- Other unsecured loans and lines of credit: $150K
- Commercial loans: $79K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $18.3M | 12.95% | 1.95% | 0.46% | 44.13% |
| March 31, 2026 | $18.2M | 13.33% | 1.68% | 1.56% | 48.06% |
| December 31, 2025 | $17.2M | 13.26% | 0.81% | 0.64% | 54.89% |
| September 30, 2025 | $16.8M | 13.77% | 1.69% | 0.46% | 63.10% |
| June 30, 2025 | $16.8M | 13.64% | 1.65% | -0.39% | 63.74% |
| March 31, 2025 | $17.1M | 13.55% | 1.89% | 0.10% | 60.69% |
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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.
High Desert Community Credit Union profile
Regulator records: NCUA credit union profile (charter 66185) · FFIEC NIC profile (RSSD 734097)
Frequently asked questions
Is High Desert Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, High Desert Community Credit Union's net worth ratio is 12.95%, above the 7% NCUA threshold for well capitalized.
Is High Desert Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. High Desert Community Credit Union is a federally insured credit union (NCUA charter 66185): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are High Desert Community Credit Union's key safety ratios?
For Q2 2026, High Desert Community Credit Union reports net worth 12.95%, delinquency 1.95%, ROA 0.46%, loan-to-share 44.13%.
What happens to my money if High Desert Community Credit Union fails?
For Q2 2026, High Desert Community Credit Union held $15.9M in shares and deposits for 1,848 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.