Northern New Mexico School Employees Federal Credit Union Santa Fe, New Mexico
Northern New Mexico School Employees Federal Credit Union is a federal credit union headquartered in Santa Fe, NM, established in 1942 (NCUA charter 4805), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,617 members and total assets of $44.5M (up 2.6% from Q2 2025), the 23rd largest of 37 credit unions headquartered in New Mexico. Its net worth ratio was 12.48% at Q2 2026, in the well capitalized band.
Also written as Northern New Mexico School Employees FCU
BankRegReports is independent of Northern New Mexico School Employees 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
- 4805
- Headquarters
- Santa Fe, NM
- Established
- 1942
- Total assets, Q2 2026
- $44.5M
- Assets vs Q2 2025
- +2.6%
- Members, Q2 2026
- 1,617
- Net worth ratio, Q2 2026
- 12.48%
- Latest call report
- Q2 2026, NCUA 5300 · Northern New Mexico School Employees Federal Credit Union call report
- Asset rank in state
- 23rd of 37 in New Mexico
- Routing number
- 307084415
- Branches
- 2
It has 11 more members than on June 30, 2025 (+0.7%). Its net worth ratio was up 1.00 percentage points from 11.48% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.9M of $11.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.82% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.48% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New Mexico
Frequently asked about Northern New Mexico School Employees Federal Credit Union
How big is Northern New Mexico School Employees Federal Credit Union?
At Q2 2026 it reported total assets of $44.5M and 1,617 members.
Where is Northern New Mexico School Employees Federal Credit Union headquartered?
It is headquartered in Santa Fe, NM, United States.
When was Northern New Mexico School Employees Federal Credit Union founded?
It was established in 1942, per NCUA records.
Is Northern New Mexico School Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4805): 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 Northern New Mexico School Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Northern New Mexico School Employees Federal Credit Union well capitalized?
Its net worth ratio was 12.48% 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 Northern New Mexico School Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.82% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Northern New Mexico School Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 30.72% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Santa Fe, NM 87505
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1942
- NCUA Charter #
- 4805
- RSSD ID
- 217376
- Members
- 1,617
- Potential members
- 28,000
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 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.48% | 14.31% | 36th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.06% | 0.72% | 65th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.50% | 4.74% | 74th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.57% | 3.93% | 36th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 73.73% | 79.83% | 63rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.66% | 0.78% | 58th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.82% | 0.86% | 28th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.23% | 4.70% | 26th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 30.72% | 58.92% | 12th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$44.5M total assets against $43.4M; $37.9M total shares and deposits against $37.1M; $11.6M total loans against $10.3M.
$5.6M net worth against $5.0M.
12.48% net worth ratio against 11.48%.
30.72% loan-to-share ratio against 27.73%.
1.82% delinquency ratio against 0.80%.
1.06% return on assets against 0.59%; 8.50% return on equity against 5.15%.
3.57% net interest margin against 3.23%.
1,617 members against 1,606.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.48% | 1.06% | 1.82% | 30.72% |
| March 31, 2026 | 12.04% | 0.90% | 0.81% | 30.40% |
| December 31, 2025 | 12.07% | 2.68% | 0.80% | 28.63% |
| September 30, 2025 | 11.51% | 0.52% | 0.79% | 29.19% |
| June 30, 2025 | 11.48% | 0.59% | 0.80% | 27.73% |
| March 31, 2025 | 11.76% | 1.20% | 0.80% | 28.36% |
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.