Internationalities Federal Credit Union Carlsbad, New Mexico
Internationalities Federal Credit Union is a federal credit union headquartered in Carlsbad, NM, established in 1950 (NCUA charter 7027), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,041 members and total assets of $11.7M (down 3.3% from Q2 2025), the 31st largest of 37 credit unions headquartered in New Mexico. Its net worth ratio was 17.21% at Q2 2026, in the well capitalized band.
Also written as Internationalities FCU
BankRegReports is independent of Internationalities Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 7027
- Headquarters
- Carlsbad, NM
- Established
- 1950
- Total assets, Q2 2026
- $11.7M
- Assets vs Q2 2025
- -3.3%
- Members, Q2 2026
- 1,041
- Net worth ratio, Q2 2026
- 17.21%
- Latest call report
- Q2 2026, NCUA 5300 · Internationalities Federal Credit Union call report
- Asset rank in state
- 31st of 37 in New Mexico
- Routing number
- 312276140
- Branches
- 1
It has 163 fewer members than on June 30, 2025 (-13.5%). Its net worth ratio was up 0.35 percentage points from 16.86% on June 30, 2025. New vehicle loans are its largest loan category, $4.8M of $8.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 17.21% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New Mexico
Frequently asked about Internationalities Federal Credit Union
How big is Internationalities Federal Credit Union?
At Q2 2026 it reported total assets of $11.7M and 1,041 members.
Where is Internationalities Federal Credit Union headquartered?
It is headquartered in Carlsbad, NM, United States.
When was Internationalities Federal Credit Union founded?
It was established in 1950, per NCUA records.
Is Internationalities Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 7027): 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 Internationalities Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Internationalities Federal Credit Union well capitalized?
Its net worth ratio was 17.21% 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 Internationalities Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.20% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Internationalities Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.73% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Carlsbad, NM 88220
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 7027
- RSSD ID
- 527981
- Members
- 1,041
- Potential members
- 2,700
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 1 of 7 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% | 17.21% | 14.31% | 64th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.07% | 0.72% | 21st bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -0.39% | 4.74% | 21st bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.55% | 3.93% | 35th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 101.49% | 79.83% | 14th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.44% | 0.78% | 71st above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.20% | 0.86% | 85th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.99% | 4.70% | 19th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 87.73% | 58.92% | 88th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$11.7M total assets against $12.1M; $9.7M total shares and deposits against $10.1M; $8.5M total loans against $8.4M.
$2.0M net worth against $2.0M.
17.21% net worth ratio against 16.86%.
87.73% loan-to-share ratio against 83.13%.
0.20% delinquency ratio against 0.53%.
-0.07% return on assets against 0.11%; -0.39% return on equity against 0.66%.
3.55% net interest margin against 2.98%.
1,041 members against 1,204.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.21% | -0.07% | 0.20% | 87.73% |
| March 31, 2026 | 17.77% | -0.76% | — | 91.09% |
| December 31, 2025 | 18.09% | -0.18% | — | 90.65% |
| September 30, 2025 | 17.73% | 0.04% | 0.00% | 85.91% |
| June 30, 2025 | 16.86% | 0.11% | 0.53% | 83.13% |
| March 31, 2025 | 16.13% | 0.31% | 0.25% | 78.00% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.