Credit Union Safety Analysis
Is Los Alamos Schools Credit Union Safe? Los Alamos, New Mexico
Based on its Q2 2026 NCUA 5300 call report, Los Alamos Schools Credit Union has a net worth ratio of 11.68%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.74%, 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, Los Alamos Schools Credit Union's net worth ratio is 11.68%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.68%
- Delinquency ratio (60+ days) (Q2 2026): 0.74%
- Return on assets (Q2 2026): 0.46%
- Loan-to-share ratio (Q2 2026): 70.17%
Los Alamos Schools Credit Union (NCUA charter 61165, established 1955) reported $32.4M in assets and 2,235 members for Q2 2026 from Los Alamos, New Mexico. It ranks 26 of 37 credit unions in New Mexico by total assets. Total assets fell 3.1% from $33.4M on June 30, 2025. It has 11 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was up 0.97 percentage points from 10.71% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $9.2M of $20.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.74% is below 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: 11.62% for Q1 2026; 10.71% 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: 0.37% for Q1 2026; 0.42% 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: 0.92% for Q1 2026; 0.38% 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: 69.83% for Q1 2026; 70.24% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $9.2M
- Used vehicle loans: $4.2M
- New vehicle loans: $2.8M
- Other secured non-real estate loans and lines of credit: $2.3M
- Unsecured credit card loans: $822K
- Other unsecured loans and lines of credit: $728K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $32.4M | 11.68% | 0.74% | 0.46% | 70.17% |
| March 31, 2026 | $32.2M | 11.62% | 0.37% | 0.92% | 69.83% |
| December 31, 2025 | $32.8M | 11.18% | 0.62% | 0.72% | 69.39% |
| September 30, 2025 | $32.7M | 11.16% | 0.23% | 0.93% | 71.94% |
| June 30, 2025 | $33.4M | 10.71% | 0.42% | 0.38% | 70.24% |
| March 31, 2025 | $33.1M | 10.70% | 0.20% | 0.83% | 69.66% |
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Free to use. It shows Los Alamos Schools Credit Union’s latest filed figures and updates each quarter.
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.
Los Alamos Schools Credit Union profile
Regulator records: NCUA credit union profile (charter 61165) · FFIEC NIC profile (RSSD 154097)
Frequently asked questions
Is Los Alamos Schools Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Los Alamos Schools Credit Union's net worth ratio is 11.68%, above the 7% NCUA threshold for well capitalized.
Is Los Alamos Schools Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Los Alamos Schools Credit Union is a federally insured credit union (NCUA charter 61165): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Los Alamos Schools Credit Union's key safety ratios?
For Q2 2026, Los Alamos Schools Credit Union reports net worth 11.68%, delinquency 0.74%, ROA 0.46%, loan-to-share 70.17%.
What happens to my money if Los Alamos Schools Credit Union fails?
For Q2 2026, Los Alamos Schools Credit Union held $28.5M in shares and deposits for 2,235 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.